Then find one that makes sense for you and pull the trigger. 

Do not be afraid to shop around and talk to a number of folks before pulling the trigger.

Simply moving in doesn't trigger the tax. 

I am so close to pulling the trigger on a bundle of 5 SFR's and was going to use a portfolio loan. 

Included with this would be the tax record (actually the HUD for a sale b/c the tax record won’t be updated yet), the property management agreement, and the signed lease.2) Once the lease is received, the HA will create the HAP agreement, which still have to be signed in ink, so it is mailed.3) Once the signed HAP agreement is returned to the HA, the payments are triggered.

If all of it checks out, pull the trigger. 

Iv spent hours learning about real estate investing but I am still very hesitant to pull the trigger. 

You also may want to look at California property tax rules whether this constitutes a ‘change in ownership’ that triggers a property tax reassessment, if that is of any concern.

Calling local banks and credit unions will help you understand what the lender requirements are when you are ready to pull the trigger.

@Tim White Thank you i will definitely be looking into those avenues and building up skills so when I have the money I can feel confident enough to pull the trigger.