Borrow Better.If you’d like, share a couple of active listings that fit your Buy Box and I’ll run a quick, beginner-friendly deal snapshot with DSCR, cash flow, break-even occupancy, and a “what-if” on rates and vacancy so you can compare options apples-to-apples.This analysis help is based on assumptions and publicly available data and is for informational purposes only, not financial, legal, or tax advice.

It’s more about how all of the pieces fit together at this stage, including existing cash flow, leverage across the portfolio, insurance coverage, and long-term intentions for our primary residence.I appreciate you bringing this up.

Maine does have income tax and with what you are looking at for income, I'd encourage you to look into and likely come to the conclusion that NH would be a better fit for you. 

I’ve been connecting with a few people in the space and would love to trade ideas and maybe even match buyers and sellers when the fit is right.

That way if you happen to find the perfect fit on your own your good to go, but if you continue to struggle a professional is on it and will hopefully find someone faster then you can on your own!

A common approach is to keep your primary purchase conservative so it fits your lifestyle, then separate investing from where you live so you’re not forcing deals to work in a high-cost market.

Happy to look at the numbers with you and think through a few scenarios so you can decide what actually fits your life right now.

If the garage wasn't converted legally, you potentially face the risk of having the city shut you down, forcing you to retro-fit it (often for big dollars), and possibly getting denied on insurance claims.

I would look at different markets to see what fits my criteria best.

Even good wholesalers are still compensated on deal volume, not on long-term performance or fit, so the filtering often loosens over time.