Their job is to make the financing work for you.

I would focus on cutting personal expenses and trying to buy multi units.

its a tough job.. and you need reserves .. however if you put in your time and build up your clientele baseat about 5 to 7 years maybe 10 almost all your business will be referral. 

While it is lower today it remains to be one of the highest cities in CA with limited job opportunities.My advise is expect for contingency putting reserves in the right places.

You're definitely looking at a complete rewire so I would get in touch of the Electrical Local & see if any of the old semi retired guys want a job.

@Wiley D'Spain You could look, but I think you’d be happier with an entry-level job.

I would keep track of everything in a spreadsheet and evaluate it during and after the job is complete.

Pay off student debt first and find the highest paying W2 job you can.

@Wiley D'Spain Get your real estate license (about 2 weeks), then get a job making as much money as possible, not in real estate (this will help you get approved for a multi-family home in the near future).

I deposit the checks by scanning them with my bank’s app, which cuts down on trips to the bank.