It’s much less of a sellers market here than we’ve seen in a few years, but still technically a seller’s market (we still only have about 1-2 months inventory in most sub markets while 4-6 would be a balanced market and over 6 is what defines a buyers market).

Another consideration is the deterioration of the commercial office space market, as the dust settles and investors reassess portfolios, it is possible that the interest and demand for residential income producing properties further increases.According to the association of Realtors a 4-7 month supply viewed as a healthy balance between supply and demand.

you will want 3-4 cards, keep them at zero balance, maybe a few bucks on one card.I'd recommend a owner occupied 3.5% down purchase, but not before you save a little more for emergencies and maintenance. 

@Grant Mitchell Apart from the great advice on offer, you might also want to consider the additional liquidity constraints buying additional properties will put on your personal balance sheet. 

Current balance is around $398k.Broker price opinion of the value is $750-775kNet Cash flow monthly after all expenses is $1350 (Self Managed)Building is in good shape, repair costs will be low for the foreseeable future due to the renovations I've already completed.Proceeds if sold would be around $320k-$330k after all fees/commissionsFellow investors, what would you do in this situation?

I am really scared of this due on sale clause that happens when you transfer your rental into an LLC.So Ive been postponing and postponing doing so with one of my rentals that is more expensive because I am worried that if I transfer that rental into an LLC and the bank does the due on sale clause then I wont have enough of money to pay the balance off or may not get financing quick enough through a different bank.Ive tried to search this forum to see if somebody had that happen to them, but no luck.

It's quite a balancing act. 

Here is my concern.If I keep the balance of the mortgage I will have hard time paying my interest and principal after I retire and I just refinanced the house for a lower rate. 

.$250k max loan$50/year if balance is less than $10k$500-$2k origination feesBest deal so far.

With my credit card balances reduced to zero, will my credit score increase instantly or does it take a few months of zero balances to show improvement?