What's Happening: After living away from Massachusetts for about 20 years, I am moving back.Goals: Accumulate more real estate which I can rent out, ideally closer to cash flowing is better (I realize this will be difficult in Massachusetts, especially some areas)Utilize the benefits being an owner occupier - low down payment and low ratesAlthough I'll move to Mass. in a few months, in about 18 months, I'd like to land in a town with excellent schools and in a property that we will live in for the next 20 years; ie, not constantly move my familyApproaches: Approach 1: Purchase two properties in the next year The first property would be one that we would live in for a year, then move out of and rent thereafter.

@JD Martin in an ideal scenario I would continue to work another ten years into my early 50s helping my first 2 get through college. 

My idea is to purchase a multifamily, ideally a fourplex, and get an FHA loan as an owner occupant.

Ideally you should have a criteria set that you can share with them based on which they'll send you listings.

Our target ARV is $90-95k so, ideally should leave us with zero of our money left in the deal (except maybe some of the financing costs).  

Ideally, I would finance the house with a 15 year mortgage and my down payment would be 20%+ so that I could avoid PMI.

Not really an ideal market to invest in for beginners.

I eventually grew up and took control of my finances, and now I have very little debt but the score itself is still lower than ideal, and speaking with anyone about the issue has always given me anxiety. 

Ideally, a locksmith would just come out and change the chambers but I’m not sure if that’s a thing.

Hi BP - Currently in a not ideal situation and would love to hear some suggestions regarding how to handle!