You've gotta be ready to pounce when something comes on the MLS because lots of West Coast eyes are looking at it too (and East Coast eyes also).I would leverage as much as possible.  

If it comes to pass that the LL wont accept less than X you will find out during negotiations and can use that as leverage to add value elsewhere (lower starting rate, more free rent, more TI etc.).Regarding #8: every commercial lease is negotiable.

Yes, your relative cash flow may decrease some by virtue of being responsible for a bigger loan amount, but you can use leverage to own more property for the same price.

Otherwise, she is paying fees, dues, and continued education in two states.

Unfortunately my financial education was incredibly minimal up until the last month or two.

For lower leverage deals, say sub 60%, some banks and life insurance companies allow you to forward rate lock up to 12 months prior to close.

Jobs aren't bad, the wrong job is the problem. also having no job will crush your ability to use leverage. take your time, find a place that you can use your talents, grow, and be inspired. you can jump head first into real estate, but I would suggest that you implement a goal, plan on how to get there, then implement.

The appraisal hasn't been completed yet, but my educated guess is that it will appraise or >$310,000.

@Cesar Lara - Congrats on your accomplishment and dedication to complete your education goal! 

And that's okay, because it is my job to educate them anyway.