You can start looking now and assume that returns you find on current properties for sale will be similar to what they are now with a few exceptions. 

You have to send thousands to fish out the exceptions.

I didn't even realize at the time what lessons I was going to learn in the future my father was an accountant and an exceptional bookkeeper and a math genius to be honest.

Overall I agree I don’t like the method, with the exception of when starting out with very little.

Speaking of junk, doing my research tonight saw a 1/4 acre lot for sale.....except that it is 25' wide and 407' long. 

I had a not so great job except I didn’t even have really decent pay.

Different lenders allow different exceptions on that pre-payment penalty rule, so it may be worth looking at that. 

For those following along at home, that language is found in Title 10, Chapter 1, Article E, section 6 (or 10-1E-6) in the municipal code.It reads: "The renting or leasing of real property for residential occupation for periods of time less than thirty (30) days is prohibited in any zoning district within the town, except as permitted in this title for hotels, motels and bed and breakfast inns."

I rarely refinanced unless rates were exceptionally low like in 2012 and later 20 teens. 

The second series was just established at the beginning of January and after going through all the steps, FCB stated they weren’t comfortable with the series and did an exception for us the the first time.