My main aims of using Bigger Pockets are:- to learn more about real estate investing- to build relationships with other agents and investors- to find wholesale deals- to post the occasional wholesale dealIn my spare time I am a boxing coach at Box N Burn in Santa Monica - try it out, great workout!

I would not change the locks until you worked out a new lease deal with Joe (unless you feel there could be violence, which if Jane is crazy, a new lock will not stop her).If Joe is unable to handle the lease on his own, or work out a deal to settle up and start a fresh lease, I would just start the eviction process.Joe will either come to the party, or maybe just bail.Either way it sucks, but it is better than getting sucked into the Jane and Joe drama vortex.Michael P Currie

You also have the option of making new contributions on a Roth basis, in which case you do not get a deduction on that income for setting it aside into the plan.Whether the math will work out in your favor is the tricky part.  

They hear about horror stories from people that tried it and it didn't work out or they lost money.If you ask further questions of those people you tend to find out they did not do proper planning and research before buying a property.

If you can work out a payment arrangement with them or you can take over there mortgage  payment , by renting it out then taking the difference btw the rent and the mortgage, hope it helps.

Welcome, @Hector Peralta.As a nurse, I suspect that Sacramento will work out best for you, of those cities you listed.

I don't want to work out the maths, but I will say this.

I'm hoping to learn as much as I can and work out all the kinks in my strategy on this property.

You need to watch it and even pay attention to things under contract, they don't always work out for various reasons.  

As for limited funds, you could use that to market to find deals and wholesale or work out owner financing.