thank you for clarifying that, My initial thought was it drops off after 20%, I will most likely refinance in the future.

I currently only have one tenant behind that is not paying, but I have offered work and she initially declined and I gave notice of the need to move. 

I was initially thinking about investing in a duplex or triplex in with upto 500k in Oakland CA due to its close proximity to SF but it looks like the prices have gone up really high now, I was also thinking to invest around Roseville, Tracy or even Sacramento at least in a single family but I would like to know are there any other markets worth looking into for even better Cashflow?

Build up your initial cash reserves.Your young, go overseas and get and set aside your extra pay. 

Hey Joe,Of course your right about the relative magnitude of the type of posts I'm whining about....LOL, I I am sometime my own worst enemy, as I have spent more time complaining and pontificating in this thread, than my time wasted by this initial poster that inspired the post.It just caught me off guard, because their was posts are within the rules, but the intention is not....so just hit a nerve...it's almost as if they are being paid to generate the exact type of posts that stay within the rules, but, with intention of sales/networking, not the pursuit of knowledge....it seems to be a more and more common practice in generaAnyway, I appreciate your posts and thoughtful contribution, it has added value to my time in these forums.Have a great day and best of luck!

Because I'm trying to build a portfolio of buy and holds  I'm looking for ways to use the VA loan to assist me in the initial purchase and then using it over and over without having to sell.

In the initial scope of work (Hard money loan and appraisal), I didn't mention about brick repair but it came after foundation fix.Appreciate any suggestions on brick repair.

After the initial vetting of the sponsors and deals it is completely passive. 

I initially started my search with a multifamily strategy in mind in a slightly more suburban parts like Malden, Dorchestor area and doing a LTR on the additional unit but soon realized that I am not ready to make the suburban transition just yet.

I am a pro member and I have enrolled for the rookie boot camp but I am failing to navigate the platform to see the bootcamp recordings and when the next session is going to be.