A 50-year mortgage sounds like a simple fix for today’s affordability problem—lower payments, easier qualification, and a way for more buyers to enter the market.

Turn off your phone, pull out a few pieces of paper and sketch out where you want to be. 

Simple extras like a coffee bar or game wall also help bookings.

Run a simple hold-vs-upgrade test.

Connor, start simple and learn by doing.

I’ll also tap private lenders when a bridge is needed or the deal is time‑sensitive.Quick framework:Match lender to exit: refi-to-hold favors local portfolio banks; long‑term rentals with simple underwriting fit DSCR; heavy value‑add often starts with private or hard money, then refi local.Price vs speed: if time kills the deal, prioritize the lender who can actually close fast over saving a small fee.

Keep it simple until you understand the game.

My simple SOPs: Rent collection: Tenants to set recurring ACH for payday., Repairs: Log every request, tag it by type (e.g., tenant-fixable, urgent (heat, water, safety), and cosmetic (batch monthly), respond using the right vendor list.

Start off with a simple single member LLC, open a bank account in that name.

Keep it simple: pick one stable, landlord‑friendly market, target small multis in B/C areas with light value‑add, and insist the numbers cash flow after vacancy, taxes, insurance, PM, and CapEx.