What loans/programs to look at (this is key for single moms + first-time buyers)Because you’ll live in one unit, you have access to the best financing available:• FHA loan (3.5% down)Allows you to buy up to a 4-unit property and skip the self-sufficiency test if you buy a duplex or single-family.

The overall inventory is trending down.Rental Market TrendsThe charts below are only relevant to the property profile that we target.Rentals - Median $/SF by MonthRents dropped MoM, not surprising for the time of year.

Quote from @Kristina Pettersen: Hi, travel nurse and mom of four.

Each line shows Rent, DOM, month over month DOM change, and year over year DOM change.AlabamaAll - Rent: $1,450, DOM: 58, MoM DOM: 4%, YoY DOM: 18% AlaskaAll - Rent: $2,000, DOM: 50, MoM DOM: 11%, YoY DOM: 21% ArizonaPhoenix - Rent: $1,868, DOM: 57, MoM DOM: 6%, YoY DOM: 10% ArkansasAll - Rent: $1,400, DOM: 52, MoM DOM: 6%, YoY DOM: 23% CaliforniaSan Diego - Rent: $3,025, DOM: 57, MoM DOM: 10%, YoY DOM: 21% Los Angeles - Rent: $2,750, DOM: 64, MoM DOM: 5%, YoY DOM: 5% Sacramento - Rent: $1,989, DOM: 44, MoM DOM: -2%, YoY DOM: 19% San Francisco - Rent: $3,650, DOM: 79, MoM DOM: 16%, YoY DOM: 61% San Jose - Rent: $3,051, DOM: 54, MoM DOM: 6%, YoY DOM: 50% Oakland - Rent: $2,295, DOM: 63, MoM DOM: 13%, YoY DOM: 13% ColoradoDenver - Rent: $2,040, DOM: 54, MoM DOM: 10%, YoY DOM: 17% ConnecticutNew Haven - Rent: $1,700, DOM: 83, MoM DOM: 28%, YoY DOM: 93% DCDC - Rent: $2,500, DOM: 63, MoM DOM: 7%, YoY DOM: 17% DelawareAll - Rent: $1,995, DOM: 50, MoM DOM: 4%, YoY DOM: 28% FloridaJacksonville - Rent: $1,602, DOM: 56, MoM DOM: 6%, YoY DOM: 19% Miami - Rent: $3,100, DOM: 57, MoM DOM: 10%, YoY DOM: -2% Orlando - Rent: $1,995, DOM: 56, MoM DOM: 8%, YoY DOM: 17% Tampa - Rent: $2,100, DOM: 55, MoM DOM: 4%, YoY DOM: 17% GeorgiaAtlanta - Rent: $2,095, DOM: 79, MoM DOM: 7%, YoY DOM: 16% HawaiiAll - Rent: $3,050, DOM: 119, MoM DOM: 18%, YoY DOM: 34% IdahoAll - Rent: $1,795, DOM: 42, MoM DOM: 11%, YoY DOM: 24% IllinoisChicago - Rent: $1,950, DOM: 52, MoM DOM: 11%, YoY DOM: 6% IndianaIndianapolis - Rent: $1,500, DOM: 55, MoM DOM: 10%, YoY DOM: 21% IowaAll - Rent: $1,150, DOM: 51, MoM DOM: 14%, YoY DOM: 27% KansasAll - Rent: $1,395, DOM: 49, MoM DOM: 11%, YoY DOM: 24% KentuckyLouisville - Rent: $1,299, DOM: 61, MoM DOM: 9%, YoY DOM: 26% LouisianaNew Orleans - Rent: $1,795, DOM: 65, MoM DOM: 7%, YoY DOM: 21% MaineAll - Rent: $1,995, DOM: 66, MoM DOM: 18%, YoY DOM: 29% MarylandBaltimore - Rent: $1,650, DOM: 81, MoM DOM: 7%, YoY DOM: 42% MassachusettsBoston - Rent: $3,295, DOM: 147, MoM DOM: 5%, YoY DOM: 46% MichiganDetroit - Rent: $1,195, DOM: 70, MoM DOM: 6%, YoY DOM: 22% MinnesotaMinneapolis - Rent: $1,500, DOM: 38, MoM DOM: 19%, YoY DOM: -16% MississippiAll - Rent: $1,495, DOM: 59, MoM DOM: 11%, YoY DOM: 22% MissouriKansas City - Rent: $1,395, DOM: 54, MoM DOM: 17%, YoY DOM: 30% St.

If one spouse qualifies for reps and materially participates in the rental activity, then all the rental activity should be eligible to write off any losses against active income to better help, can you describe how your mom is a real estate professional?

Do you have a way to be paid that’s USA complaint that’s not funky with some weird method that a lot of the out of the country mom and pop shops are trying to pull?

Build your core three locally: a multifamily broker who knows mom‑and‑pop sellers, a lender comfortable with small balance multifamily, and a PM with real rent rolls in your target zip codes.

Just be sure the transfer from your mom is set up properly, since how it’s done affects your tax basis and any potential gift issues.

Also why not look at renting a room in a house for a bit to get out of your mom's house while you are looking to buy your home?

I'm a stay at home mom trying to make a living while they are stealing money from people like me daily!