Hey @Kevin Romines, I think I tracked with all of that except for 1 thing: when I purchase (finance) an investment property, do I buy that one with its own All in One or are you saying to put the $ from that one into the primary or ??

We don't have a spa so that makes it difficult but I don't think putting one in will make that significant a difference for the cost.

I own one free and clear(around 425K).

(I have only done one deal like this)

We had a borrower who first three loans did great and this fourth one is in default (we are in first).

To each their one indeed.On another note, I'm surprised about your comment about the cartels, especially since you lived in Mexico and I don't see the connection with real estate investing.

I’m looking to buy a multi-family in the Greater Boston area with the goal of living in one unit and renting out the rest. 

Direct lenders are:KiaviConventusLima oneLoan one Iron BridgeSeattle funding this will get you started. 

It’s a valid concern, and one that I've faced many times.

Replaced the windows in one unit so far.