What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

No there is no way to avoid transfer taxes in DC

Best note flow for me comes from relationships first, lists second: I work direct with smaller banks/credit unions’ special assets, property managers and loan officers who flag nonperforming borrowers, and active investors offloading re-performing paper; I’ll also tap a few vetted brokers, but I require full tapes, collateral files, clean chain of title, and recent pay history before bidding.

The legally-required, but generous insurance payouts covered not only the repairs but numerous other repairs on my properties.Next time you have a claim, consider hiring a public adjuster.

Rehabs require work and over sight.  

Hi Gokce, There are programs available to help investors with financing if the property is not cash flowing enough to meet debt service requirements. 

Some lenders require a minimum loan amount of $500k while others require a $250k loan amount minimum.

The “FHA 4-unit → cash homes → debt-free” route hits a nice balance between growth and risk reduction.A few things to watch out for though:FHA Rules: You’ll need to live in one of the units for at least 12 months to satisfy the owner-occupancy requirement.

You can avoid this by working with me and being sensible.

It’s not perfect, but it gives you some protection.Bottom line — you’re not wrong to avoid cosigning on a collective loan, and if your HOA attorney is sharp, they can absolutely structure a dual-track solution so people who want to pay upfront can do so and avoid the financing drag.If you want a reference point, tell the board to ask their lender about a “segmented special assessment loan” — that’s the term most banks use for this kind of split structure.