would be to best use my money.If I DID decide to go towards a minimum payment route (to save money for a downpayment), I wouldn't let the mortgage rise to a point that it outpaces appreciation!

you don't have to continue working with them, or if you decide things are going well, you can.

Then, if I decide to go with the property I could make an offer contingent on an inspection and financing, and my lender will probably require another appraisal by one of their guys so I would end up paying for two appraisals.

Okay, so I ended up starting two threads in one day but while I was stressing over where I'm gonna end up living 3 months from now:I feel like I'm having such a hard time deciding on what I want to do because I always thought the best way to own a property just starting out with little cash is to be an owner occupant.

I have read numerous books and have almost no money to risk, so have decided that I have to start with straight options.

I have frequented this site for a week or so and have finally decided to become a member.

In the mean time I have decided to get into rental properties (I know this is backwards).

I'm just trying to figure out if it would be too expensive to be profitable; will have to run some serious numbers to decide.

I have few calculators on my website that would help you decide.

I used to work in Rochester great place.First decide what your goals are.