I'm have an amazing opportunity to acquire 12 SFR homes for 280,000. Right now in their condition, altogether they're worth about 480,000. But if rehabbed, about 620,000. I have no plans to do renovations anytime soon because they're all tenant occupied in okay living condition. Gross rent at 10,200. I've never had a loan before (I'm 21) and I work a W-2 making about 45k a year (my girlfriend soon to be fiancé has the same job as me so I have access to about 90k a year). So my debt to income ratio is swell. I have great credit and my father also put his occupied rental in my name for collateral.

I need to know the best portfolio lenders in and/or around the Cincinnati, OH area. And I also need to know if that’s the best way to acquire these properties. Should I maybe try a local bank? I’ve heard mixed opinions about Lima One Capital. They have an office downtown. Thinking about calling them business hours.

Sorry for so much info this is my first post thought I’d give some background.