If it’s due to limited capital, that's understandable—but is it your only option?

Lenders seem slightly more conservative on income coverage and leverage, but capital is still available for strong properties.

I am a Capital Raiser for B and C class, value add, Multifamily Properties, ideally 20+ doors.

I’m working on building my credit history, but in the meantime I’d love to understand what capital options exist for investors who don’t want to—or can’t yet—use their personal credit score.Specifically:1️⃣ What loan types or funding structures work without relying on personal credit (e.g., DSCR loans, hard money, asset-based lending, private money partnerships, etc.)?

Is Capex (Capital Expenditures) included in the Operating Expenses or no?

I work with a few private capital sources who finance Wisconsin investors (Milwaukee included) on both flips and long-term holds.

Hey Robel, bird dogging can be a solid entry point in college because it gives you reps talking to owners and spotting opportunities without needing capital.

- Time Capital Bookkeeping (REI myself since 2019)

Depending on your other income, short-term vs. long-term strategies can have very different tax implications, and many people get into real estate investing precisely because of how it interacts with their overall financial picture.Since you guys are planning flips now and rentals later, the tax setup matters more than most people realize.For flips, the IRS treats everything as active income, not capital gains, so once you’re doing more than a deal or two a year, you’ll want an S Corp (or LLC taxed as one) to avoid paying more self-employment tax than you need to.

A reminder that real estate investing requires patience and capital discipline.