Understand "why" you want real estate and write down your goalsNo TVNo radioNo social mediaNo games (except family stuff)Turn your car into a mobile university (podcasts, audio books)Get up earlyEat a simple diet (simplicity and mind-share)Keep a simple wardrobe (simplicity and mind-share)Give up social stuff for a year or twoSchedule specific time with your wife and kidsCut out spending that does not align with your goals (requires less income to cover)Tie your identity to growth (mindset)It's time to attack the day (every one of them).

The certificate from the VA will not qualify you for anything until the credit score is fixed.I do not know your situation, but if you file the bankruptcy, you will take the ability to buy real estate with financing out for at least two years maybe even longer.

In my opinion, you're limiting the ability to sell your note if you keep the UPB the same and defer the balance owed.We're "stuck" with a barely re-performing note in which the borrower filed Ch 13 BK.

Location in where I see future growth.

Our of the 4 units, 1 is rented, the others are being rehabbed or turned over for a new tenant.My question is this:Population growth in this market is stagnant.

It's about you and your ability to pull off the BRRRR.

Imagine a day where landlords could be competing for voucher recipients because the individuals receiving them are desirable tenants with goals who are held accountable to attend school/training, earn an income with potential for growth, and have a roadmap to financial success.

But it does limit some of your marketing ability since you do have to follow TREC rules for things like that. 

arizona has the most opportunity zones for investing especially in large MF. the stabilization and growth in phoenix has always been impressive even back in 2008 so I would most certainly go phoenix

It's getting close to Hurricane Season , Whats stopping you from repairing the roof yourself and submitting a Bill to them ?