@Sasha JosephsEither way California is going to charge you the annual fee - but speak to your cpa and see if it makes a difference

Different strokes for different folks.

I know every agent is different, but I want to go with my buyers. 

Today is my first day at bigger pockets and I was going through some posts and I felt so connected with many of the experiences as an owner, and investor in many different levels.  

Sure, there are different avenues you can take, but house hacking is the most risk-averse strategy to implement when starting. 

In my experience, my investors who expect to get in/out of the deal quickly don't look at rate as they'll be in a deal for 2-4 months and the benefit of no up front costs saved by paying no points far outweighs the difference in monthly payment from the higher rate. 

Primary areas I am looking at (if that makes a difference) is Glendale, Goodyear, Avondale, Peoria, or Surprise.Any suggestions or recommendations for a real estate attorney that works primarily with residential?  

However, the tenant and partner, who originally stated they lived at the same address, had two different addresses on each driver's license, which raised some suspicion. 

@Kermaury Musgrove no first-time story, but some education:)Every market is unique, but the Midwest markets have a lot of similarities and are way different than the market in California.In Metro Detroit, we rank all the suburban cities and the City of Detroit Neighborhoods as Class A, B, C & D.Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.So, when investing in areas they don’t really know, investors should research the different property Class submarkets.

You can try to compare different projects.