NAR stats suggest that FSBO owners receive substantially less (almost 30%).  

Veronica seems interested in house hacking in South Bay, and I don't want her to be overly influenced by out-of-state thinking.

The federal government gave every state substantial amounts of money for COVID relief.

I know interest rates are likely to stay lower for a while but I'm not sure it would be prudent to have a variable rate especially if it's substantially higher. 

I think it will make more sense for section 8 if it is close to commute, there is a substantial cash flow after all expenses are accounted for and if there is not too many projected capital expenditures. 

So, would you really need to find a property that is just outdated and needs cosmetic updates in order to get a loan from the bank and based of your numbers when analyzing the deal it would have to be substantially under market value?

I have a savings account and a somewhat substantial 401k.

The fortunate thing in all of this, they really are neutral (they get paid whether the loan funds or not :-) Ideally I would start it off as legitimate learning effort and ask them what factors are influencing, because you really thought that it was most comparable to the house next door.

When the property transferred it uncapped the taxes and they increased substantially and ate up all of the cash flow. 

Significant, but not substantially.