.- Use additional income to pay down these properties much, and cash flow much faster/heavier.- Hardmoney lend to a flipper.

I will have around 100k to be used on a personal property and/or first deal.My goal is to focus on commercial real estate using cash flowing apartment complexes in order set myself up for early retirement.

Goal 1: Pay off mortgage on the home you live in.

My name is Willie Francis and I'm  a newbie to real estate investing, I’m working a full time job for the Railroad looking for financial freedom thru RE my goals are investing in Rental Property in the Houston area.

I don't know the Cali market and unsure of your goals.

@Holly Collins - these are 2 different value propositions here.1. cashflow (aka rent)2. resale valueAgain, I think this depends on what your personal real estate goals are and specifically where the property is located on the peninsula.I personally prefer cashflow value because I think it will far out-weigh any negatives when you go to sell in a few decades.

Chances are you'll reap the benefits by them moving the property faster than you could.

My GOAL ONCE I GET THIS IS TO RENT THE TOO FLOORS AnD LIVE IN BASEMENT UNTILL I HAvE ENOUGH TI GET ANOTHER Investment property2BEEDROOM 2NDFLOOR RENT -1700 2BEEDROOM 1ST FLOOR RENT-1700BASEMT - (1 BEDROOM) - 1200TOTAL 4600EXIT - WOULD TO Re-FI TO Conventional LOANWHAT SHOULD I KNOW ABOUT REFI TO Conventional LOAN IS IT ANOTHER OROCESS?

As @Nick Rutkowski mentioned, your allowing a person to have a very strong influence in your decision making which will influence your goals.

I will send you a message and we can connect to discuss your goals.