This gives your more favorable mortgage terms and rates, including lower down payment possibilities.

Im currently filling up a park in Houston and if its a nice lower cost home, i might be interested in bringing it into a park and working out an inventive package.

If the contractors are opposed, you could look into creating a company, have the proper insurances in place (GL, workers comp,etc) hire them as an employee of the company, and negotiate a lower compensation.

The roi change is about a half a percent, from 14.58% to 14%.Since im going the FHA route though my roi is lowered since im living there...not sure if i should consider this though

ESPP is usually a no brainer and gives you a discount; but there is a delay in getting the stock and a holding period of 12 mos to get the lower tax rate.

I just closed last month on a property in Oakland (lower dimond district area), currently doing rehab and excited to have the project completed.

I think that'd be a great strategy since you'd get the lower interest rate and less closing costs.

Anything they lower it is a win for you. 

The Cali shift partly translates to lower income leaving and higher incomes replacing them.

@Susie Ramsey  Generally if you can show your YTD income is getting higher you should be okay to proceed with income and you have reason for lower income in last year which can be explained by LOX.