Plus if you legalize and turn the property into a 3-unit, you will get hit with higher property taxes. 

It's one of the first questions I ask prospective tenants when they contact me and it's a deal breaker. 9 times out of 10, when winter in Wisconsin hits, the "outside only" smokers end up back in the house or in the garage.I do have a property with inherited tenants of 25 years who smoke and I'm not looking forward to that vacancy.

I’m currently trying to find as many podcasts, books, articles, people, etc to learn as much as possible so as soon as I start getting paychecks I can hit the ground running.

I couldn’t hit every topic I wanted to.  

Granted there is an extra 1.5% on the conventional, but the FHA has so many 'hidden' costs that make such a large difference. 1) Conventional loans (at least in my situation) - they will drop PMI payments once I hit 24 successful payments (2 years).

I'm not sure how to go about this without completely wrecking my credit score, but maybe it's worth the hit?

You've got to hit the streets, go to local meet-ups, reach out to everyone you meet and let them know what you're looking for.

Growth is great and necessary to likely hit your financial goals, but collecting underperforming assets is not a way to get there.  

But I'm not completely opposed to going into temporary cc debt with the prospect of a $20, $30k or more profit in short order.I have a business line of credit that I can use as well as my personal credit cards but I'm just trying to see what I can do with the help of HM and maybe not have to touch my cards or at least not hit them too hard.

Purchase price: $170,000 Cash invested: $13,000 Sale price: $190,000 Thought this townhouse would be a bigger hit that it was.