@Mary Jay I Google "roth ira income limits" and then the tax year you'll get to something like this from the IRS or nerd wallet or wherever https://www.irs.gov/retirement-plans/plan-participant-employee/amount-of-roth-ira-contributions-that-you-can-make-for-2020I don't know what the penalty is because it is so easy to avoid, it's like looking at a speed limit sign, if you don't go over the limit on the sign you never get the joy of learning how much a speeding ticket costs. 

Even with all the government financing programs, banks are becoming more cautious as the future economic/employment outlook becomes more and more uncertain.There's even a bigger problem in that right now the inventory is so low that I think rehabbers are paying too much. 

The market is so hot right now, by the time I coordinate with my agent to setup a showing with the seller's agent, oftentimes the property is already pending. 

We're also working with a realtor on other tactics for MLS listings, but we're trying lots of strategies because our area is so competitive.

Because there is so much info.

@Odie AyagaWell, we want to find a deal that could swing either way since the economy is so unsure right now.

Since there is so much vacant land and new construction the appreciation is low.

That is so funny, i am also 27 years of age and live in OC as well.

Well that was a reason but I’m now fully vaccinated so not an issue. the biggest reason I did and am still doing it is so i can finally finish school.

My rhythm tone is so punchy and wonderful, but I go to hit those solo notes and they just don't have the oomph behind it I'm looking for.