They'd have poor reviews and a one star rating.

The challenge: Record-high labor and material costs, a sluggish resale market, and a shortage of skilled labor are squeezing spreads.

Most portfolio lenders want to see 15–25% down (more if it’s non-owner-occupied), a master insurance policy that names each lender correctly, an HOA-style budget with real reserves, and a modern TIC Agreement.

You are 100% correct—a successful implementation is all about the upfront work and a clear strategy for efficiency.

Hey Jordan, welcome to the BiggerPockets community, As a dad of 5 and a serial entrepreneur, it sounds like you’ve got a lot going on love that you’re diving into real estate, The foothills of WNC is a great area with some solid investment potential.I actually have some insights or ideas that could help you get started and make connections in the area.

I’m trying to pay off my hard money lender with a cash-out refinance on one of the 3 properties, but I’ve been denied by three local credit unions and a bank because my self-employment taxes show low income as i also run a lawn and landscape company as my full time job and it has personal debt from the trucks.

They have their own underwriting criteria and a fiduciary duty to their investors. 

Went under contract with a relatively small non-refundable earnest deposit and a short closing timeline.

Government shutdown is wildly impactful in some areas and a non-factor in others. 

There are definitely good people available there- I'm on there as an agent, BUT they will take anyone with a credit card and a pulse.