My expectation is that a broad mix across S&P, small cap, international, emerging gives a mix of 30%+ returns to negative that even out to better than Bay Area rent !

Hi @Alain Yu,No questions are silly on the forum :)While the list of people on the link you provided may be used, you may also not need them on your 'team' depending on what type of investing you are pursuing.

Being a landlord.THE first step would be to read this: http://www.biggerpockets.com/real-estate-investingSecond step would be to learn what sort of niche you want to specialize in (but this step is redundant as it is covered in the guide linked above)Don't jump into investing your savings.

Try this link: http://www.closing.com/partner/zillow/Kudos,Mary

I am an international investor new to the US market.

@Reggie MaggardHere is an excerpt from a link I'll give you:In fact, the HUD-1 Settlement Statement (lines 203 and 503) that is used for virtually every loan closing has a blank which states, "loans taken subject to."

@Michael Moore As Matthew said, here is a link to the one we just had. 

Asking price is 77K.View report*This link comes directly from our calculators, based on information input by the member who posted.

View report*This link comes directly from our calculators, based on information input by the member who posted.I have a potential first BRRRR that I will be looking at to possibly purchase this week.

If any of the 401(k) loan proceeds are in any way linked to the elective contributions, the interest is not deductible.