If you are a Veteran its 100% financing which can also help save money and in as little as 6-12 months you can move out of a unit and rent out all units and start over.

The biggest expense for many agents is their marketing budget to get leads and grow their business, but if you’re looking to be just part time to start you won’t need that.

Wishing you the best on your future and getting your portfolio started! 

When you start making exceptions you are no longer following your process. stick to the script.All the best!

Only difference is the $10K is in your bank and the interest starts so you are paying on the full $10K over how ever many years they offer.Lastly, depending on your first mortgage rate it may be best to just do a "Cash out refinance" becuase its over a 30 year mortgage and the rates are lower then both Heloc or Heloans. 

I started investing here in 2016 so it's been 8-9 years for me.

@Luis Cerwin as others have stated, Nov - Jan is the worst time of year to have a vacancy.Majority of tenants live paycheck-to-paycheck, so all their income goes to Holiday spending starting with Halloween, then Thanksgiving, then xmas, then NYE.January is also historically the worst month for rent payments due to Holiday Hangover Spending.

@Ben Syzek,Congrats at the decision to start learning about REI. 

Start looking for a new PM.

Welcome to BP @Shai Shushan You started in a great place!