You should focus on paying off the $20k you owe over the next year right now.

Also, local real estate agents can also be a goldmine for off-market deals since they often hear about them before anyone else.As for property management, researching and looking at online reviews are a good start, but a real insider tip?

Hey Tess - congrats on the purchase! 

I am in the process of settlement on my 1st property in 1 week. i have a 5% down conv loan thru a credit union bank. this a duplex and is a row house. i plan to live in one unit and rent out the other. the seller is also selling the duplex property next to it.

It was something I has always talked about and had dreams on doing.

Check out other online guides available here: https://www.biggerpockets.com/guides3.

If I had to choose, I would always prefer cold calling over texting for this approach.The two best strategies I’ve found are inbound methods: direct mail and Google Ads.Direct mail can be expensive, but it can also yield highly discounted properties.Google Ads, on the other hand, doesn’t require data extraction like calls, direct mail, or texting.

Is somebody willing to work with me on identifying them?

Fixed or Floater on loan if you bought in 2022? 

We should give them the benefit of the doubt considering somewhere along the family line we were all immigrants and these people may just want to have a better life for themselves and their families.With that said, there are a few things to consider:-What market are you in?