Just wondering if there is any other places beside small credit unions to get a good deal, my state employees credit union offers heloc at 4.5 rate which is good but therer monthly payments for heloc is for every $1000 used its $12 a month, so 50k heloc would be 600 a month, didnt know if this was good or not for monthly payments or us there cheaper one out there.

The next year I moved into a cheaper house with 4 roommates.

We pitch it as “designed to be cheaper than a studio, for those who don’t mind sharing kitchens and bathrooms.”

For decades, U.S. tax laws allowed investors to depreciate properties over a very short period, resulting in high amounts of negative taxable income.

I like the haul in the dirt and wait method much cheaper :)

I went with the cheaper option even though it was really just covering up a problem.

Remember having a renter is a business, and you just can't "kick them out" when and if you grow tired of them.My recommendation is to buy what you can afford on your income that is cheaper than rent, or buy a lower-priced home and fix up, even if only a cosmetic fix-up.

If your credit score is high, its actually cheaper (I spoke to a loan officer not too long ago and still true) to get private mortgage insurance instead of the Government insurance. 

Also always get a refi loan estimate, we could have likely refinanced out of the hard money loan with a cheaper long term loan and held on to it as a buy and hold even though budget went way over.

Condos seem much cheaper but do HOA fees offset that difference?