I was actually a student at the university there not too long ago, part of the wine program.

This criteria is for 1-4 and 5-8 unit programs.

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Yes, I’m currently taking plumbing classes to earn a certification so that when I go home I’m more desirable to employers.

Here are some things to keep in mind:1) Make sure you’re running truly conservative numbers - assume higher vacancies, real repair and CapEx costs, rising taxes and insurance, and rents that are realistic, not just what makes the deal look good on paper. 2) Take the time to learn local zoning, rent regulations, and code rules before you ever make an offer, especially around NYC where non-conforming or illegal units are super common and can completely derail a house hack.3) Talk to a few investor-savvy lenders early and really understand your low-down-payment options (FHA, conventional owner-occupied, grants, assistance programs) so financing doesn’t slow you down once you find a deal. 4) And finally, build relationships with an investor-friendly agent, a CPA who works with rentals, and ideally a mentor who’s just a few steps ahead of you.

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

DSCR programs are usually the best fit for a cash-out refinance on investment properties.

.- ALso see if UTL companies have a Landlord Protectoin Program that will auto-transfer to your name instead of shutoff.

You’re closer than you think.If you end up finding something in OC or out of state and want to see if it qualifies for one of our investor loan programs, feel free to reach out.We can run the numbers, check DSCR, and see exactly what financing looks like so you know if it’s a smart move before you make an offer.Best of Luck!

If someone has to be so aggressive in managing their negative reviews/reputation online, and suppressing other people's speech...very bad sign.Finally, some of my current clients are "refugees" from Karim' program.