Methods I have used include:- House hacking - I lived in one unit of a 4 plex I bought using an FHA mortgage and 3.5% down payment- BRRRR investing - I bought a house in rough shape, rehabbed it, did a cash out refinance, and rented it out, and repeated- I bought a single family home, lived in it for 2 years then turned it into a rental- I took three loans over the years from my 401K for the down payments on 3 of my houses- I bought a 4 plex non-owner occupied using a conventional mortgage with 25% down, but over the course of 5 years it doubled in appraised valueI have one property with a 15 year mortgage and I break even every month with rent.

Then I got on bigger pockets and learned about BRRRR and thought this could be a great opportunity to refinance to get to the next one.What say ye, experts of biggerpockets?

Fellow BP Members,This post is looking for inputs (or links to other threads I may be missing) regarding three inter-related issues (I do have an Attorney, Mortgage Broker, and Accountant...but sometimes I gain more clarity by reading a good BP post from accomplished investor).Example Scenario: I own two rentals in two different states (Rental A, 2-family and Rental B, 1-family) both as personal investment properties. 

This is why I always laugh when I see guys with fifteen posts here on Bigger Pockets confidently tell the community that they KNOW that a particular property is undervalued, usually by a huge amount.

But that is alot of money out of pocket on my behalf.

All these issues now involve three people - landlord, tenant, and association.

That house could easily be divided into a three bedroom one bathroom apartment unit and a second unit that is one bedroom one bathroom.

Hi Bigger Pocket-ers!

You mentioned the Baltimore market and you knowing it very well so you should know what areas and certain pockets of the city are rental areas, flipping areas and some areas that are both.

@Bharath DandaWelcome to Bigger Pockets.