Over the long term, the rate difference will be immaterial because you have locked in a very low interest rate and can always refinance later if rates dip lower enough to justify the cost.I encourage folks to look for ways to invest without debt (equity partners, lease options, etc), but if you're going to get a loan, go for long-term, fixed rate. 

Most folks like Quickbooks but a PM software may also be a good fit for you - just make sure it's reasonably priced. 

I have helped folks with owner financed transactions before, but never have assisted someone where they paid it off so quickly. 

I had read/heard so many stories about folks who had done exactly this over the years and my goal was to do the same.

@Julian Romo you should come to the next REI Central event and meet some folks there.

For house hacking or renting this could potentially be a disaster; the code enforcement folks could ask you to remove un permitted additions.

would like to attend and network with some of you folks.

I know some folks seek secondary or tertiary markets for lower entry points, but with the cap rate movement nationwide has this changed your strategy?

I’m nervous since those first reviews are so critical… curious for feedback, thanks for being a great group of folks! 

Many folks have moved from California to Arizona to escape the severe lockdowns.