Great take, and refering back to scripture for relevance too, I like that!

I'd also add that a few credit unions setup what I refer to as "near agency" shops, underwriting multifamily similar to an agency deal, but offer financing as a credit union loan with no prepayment penalties.Banks are rarely a fit for any deal larger than $5mil for permanent financing.   

If you look at their content and it's all hype words, no reference to tax code sections, tax court cases, etc....I'd be a little leery. 

I can also refer you to a few actual banks, if you wanted to tackle it yourself.Dustin

Right now, I am relyimg on investor friendly agents to refer me and getting scopes from them.

They’ve built systems around transparency, reporting, consistent communication, and working with older properties, including Section 8.While I can’t directly plug specific Cleveland vendors without confirming they meet your criteria, here’s how you find the right ones:🔹 Investor-Friendly Agents:Ask for transaction history with out-of-state buyersRequire references from investors they’ve worked withLook for familiarity with rehab, comps, and niche financing (DSCR, portfolio lenders)🔹 Property Managers:Before you commit, vet them on:How they handle maintenance costs and approvalsWhether they provide online owner portals with financials and photosTheir marketing + leasing process (turnaround time matters)Experience specifically with Section 8/CMHASince Cleveland’s housing stock and submarkets vary tremendously block by block, having a local expert who specializes in investor due diligence.

Build your credibility stack now: brief 1‑page story, sample underwriting, references, and a weekly update email to your network.

You are researching out-of-state multifamily properties with good cashflow in sound markets.We work with many clients from California that find us or are referred to us as well as from the rest of the country.There are many markets in Michigan where you can buy cash flowing multifamily properties.

I believe you are talking about cost segregation,  if that is what you are referring, it will work if you have a very high income from rental roll or w2. but in order to be able to deduct from your w2 ,  you will have to qualify for real estate professionals which I can guarantee you don't for 2025,  because 1- you would know and 2- all the requirements should have been documented thru the year.

Just last night an investor was referred to us that had $60K in an IRA and wanted to start buying AirBnBs.