It is so inspiring to see you gain so much momentum in the past few months!

The reason you HAVE a property manager, is so you are not the person getting idiot calls at 2AM.Good for YOU!

There is so much economic diversity and progress happening here that it is a sound investment.

Lenders aren't going to make less just to lend in Nebraska.In some ways it doesn't matter, because the size of CA in loan values is so large that you have to limit loans in that market. 

I'm told this is because the sq ft of the lot is so small so this is what the builder decided to do.

However, your goals are very likely to be different than everyone else's which is why it is so important to have a buying criteria beforehand.

I guess i need to try to grab one of the 150K units for 120K to assure at least 100-150/month since this thread is so newb-centric and not super specific, how would you recommend finding the best lender to work with?

We have very few properties locally to compare it with since inventory is so low right now and B.

@Stephen Brown yea I figured because New York is so expensive, but thank you so much

This is the short answer why this year Venmo, et al has a $600 limit now (granted, the congressional testimony is so that Feds can catch rich people).All this being said, I think any cpa/accountant will have you file a 1099.