Challenges?

With zero dollars, your time, energy, and consistency become your biggest assets.

Quote from @Eduardo Cambil: Hey everyone 👋I’m currently expanding my portfolio into small multifamily properties (8–12 units) using DSCR loans.Here’s the type of deal I’m focusing on:Purchase price: around $300KUnits: ~10Rent per unit: $600–$700Light rehab: $50K–$70K maxMarket: Midwest / Southeast (good Section 8 demand & solid cash flow)The challenge, as many of you probably know, is covering the initial 20–25% down payment.I’m looking to connect with private lenders or bridge-loan partners who can finance that gap — ideally interest-only for 12–18 months, secured by the property or a promissory note, until I refinance through a DSCR loan and pay them back in full.I’m also open to equity partnerships where we structure a fair split before the refinance (e.g., short-term joint venture).If anyone here:Has experience structuring this type of creative financing,Works with private investors or firms that do down-payment bridge loans,Or can share contacts of reliable private lenders who work with DSCR investors,…I’d really appreciate your guidance or introductions.

@Christopher Rubio The biggest step needle mover was getting into the world of people who already invest.

We're based out of California, but have a solid team in Atlanta, including a contractor and realtor.Due to the distance, we've had some challenges with in-person meetups.

Quote from @Luke Mertz:My biggest question would be what to do with the signing bonus.

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy + tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

2025 is shaping up to be one of the biggest years for real estate tax planning.The new tax bill quietly changed a lot — some great news, and a few traps to watch out for.Here are the big ones investors should know:1. 100% Bonus Depreciation is back — permanently.

What worked well for you, and what were the biggest challenges?

Sometimes, even great deals fall apart — and it’s not always about the property itself.I’ve seen funding, communication, or due diligence issues cause last-minute hiccups.What’s the biggest lesson you’ve learned from a deal that didn’t go through?