My wife and I were raising 3 daughters at the time and wanted to provide well for my family’s future.

Otherwise appreciate the “increased rent” the late fees provide. 

Looking for advice on my general financial picture and what I need to do to get it to a place to be able to qualify for home loans. 

I want to renew at the same terms of the original lease (which was created and provided by my realtor and I dont have access to that document now).

I would find out about that flood insurance etc and who is providing it.

While I'm not super familiar with the area, I wanted to provide some thought starters for you! 

@Prabhash Shrestha What kind of loan are you approved for that allows 20% down on multi family? 

There's a variety of ways to get a deal in front of you (I'm mostly a flipper), but basically if it looks promising, I run custom comps queries and check the current & past $/sf of renovated/distressed product in that city or zipcode.Here's a chart on 90066 I generated from my tool under Market Stats > Sales Data > Specific Zip Code:- My above chart (more available) shows the Avg Renovated $/sf (High) over time in this Zip Code, something completely different than charts/providers based on Averages/Medians only, like every other platform (RedFin Below, https://www.redfin.com/news/data-center/):- Can't select smaller locations such as City or Zipcode for their $/sf data, so it's useless helping me underwrite/verify a deal.- Can set Zip Code for Median Sale Price data, but again it's the median/avg so it's useless helping me underwrite/verify a deal.Then if that looks decent, I'll run Sales Comps, and get a quick summary of some key metrics based on those comps.

For those who are able to provide specific neighborhoods, can you also elaborate on why you believe that neighborhood has growth potential (for example, zip code XXXXX is near the big chip plant that is being built, etc)? 

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