Two quick moves: set a simple buy box so you’re not chasing everything, and analyze a handful of real listings each week using a basic cash flow calculator, then sanity‑check rents with a local PM.What’s the first deal you’re aiming for—property type, price range, and target rent—and which market are you eyeing for that first purchase?

Don't forget the basics, buy property for less than what it's worth, not just because you are getting just a little money down.In negotiations, break everything down into pieces.

That’s normal in appreciating/coastal markets.Paying off the mortgage is basically buying a bond at 4.375%.When you pay off $265K at 4.375%, you’re getting a guaranteed return equal to the interest you’re no longer paying, plus the cashflow jump you mentioned.

I recommend listening to the top STR podcasts as they will cover all of the basics for you.

I'm basically trying to figure out what price point would allow me to at least break even the first year when figuring income (rent, laundry, etc), expenses, loan payment, etc.

The 6–12 month roadmap (simple and doable)Months 1–3:• Build reserves• Research markets• Talk to 2–3 lenders• Learn the basics of analyzing multifamily dealsMonths 4–6:• Get preapproved• Start touring properties• Narrow down your market and price rangeMonths 6–12:• Make offers• Lock in financing• Close on your first property• Move into one unit, rent out the othersEvery month has a purpose, and none of it requires rushing.

Basically 100% interest or 12% per year.

MY current interest rate is 3.125%  I have approx. 10 years left on the principle.

I transitioned from the middle service (annual) to the most basic service (monthly) a month ago.They charged me an extra fee for their inspections services- which I never asked for and did not want.

It basically makes sure you never miss another motivated seller.