What I’ve been hearing from a few banks is:They want to see repeatability before they reward flexibility.I’m curious how that looked in real life for operators here who’ve made that leap.Did you find it was more:Assets under your belt?

I started with turnkey to get into REI, but now with a little more experience under my belt, I'm considering selling my turnkeys at a loss and moving on to something with more meat on the bones.Exterior - $225- pressure wash- remove damaged/torn window screens- remove all stickers from all windows- repair hole in soffit to the right of chimneyMain Interior - $825- repair/replace damaged sheetrock- wipe down and clean all walls throughout house- wipe down and clean all doors, trim and baseboards and throughout house- touch up paint on walls- touch up paint on trim and doors- replace missing/broken blinds- replace missing/broken doorknobs- replace missing/broken light switch and outlet covers- replace missing/broken light bulbs- make sure all doors open/shut properly- make sure all windows open/close properly- replace air filter- replace batteries in the smoke detectors- remove all trash from attic- clean and paint all bars and shelves in closets- clean all AC vents and return vents- make sure all drawers and cabinets open and close properly- make sure to clean out all drawers and cabinetsLiving Room - $10- clean and paint fireplace with black high heat paintKitchen - $55- wipe down and clean all cabinets, inside and out- touch up paint on cabinets- paint under sink- tighten loose cabinet hardware- caulk sink, floor, counter- replace broken trim on ends of countertopsLaundry Room - $10- clean and paint inside washer box- clean out dryer ventHalf Bathroom - $25- wipe down and clean all cabinets, inside and out- touch up paint on cabinets- paint under sink- tighten loose cabinet hardware- caulk toilet, sink, tub, floor- tighten door handleMaster Bathroom - $75- paint cabinets inside and out- tighten loose cabinet hardware- caulk toilet, sink, tub, floor- fill in missing grout in showerHall Bathroom - $35- wipe down and clean all cabinets, inside and out- touch up paint on cabinets- paint under sink- tighten loose cabinet hardware- caulk toilet, sink, tub, floorStairs - $20- paint handrail- paint banasterGarage - $25- pressure wash garage floorLocks - $300Yard - $175- cut, edge, weedeat- trim bushes- trim up trees- clean up fencelines- haul off all trash- Remove grass from cracks in concrete- remove all loose limbs and debris- clean out flower bedsFlooring - $275- clean all carpetsCarpet Cleaning Estimate: $275Garage - $100Program two new garage door remotesPest Control - $85- pest control needed: General pest sprayTrash - $350- remove trash at the curbCleaning - $120

@Dustin Smalley hi my name is Luis Montero, I am seeking to do my first brrr but also having difficulty getting my first brrr or fix and flip under my belt.  720 Experian, 697 trans union, 680 equifax

Deals like that often come with strong underwriting, professional property management, and a team approach, which can make targeting undervalued, multi-tenant properties more manageable.Markets that have been showing opportunity  include Sun Belt cities with growing populations and job markets, as well as secondary metro areas where older properties can be repositioned for higher returns

For markets, secondary cities can offer strong opportunities if you can identify areas with population growth, solid rent demand, and limited new supply sometimes these outperform the bigger Sun Belt metros in ROI.  

While you analyze 3–5 listings a week, line up a local lender and PM, and tell your network what you’re hunting so leads and potential partners show up; avoid heavy rehabs at first, document everything, and get one boring, solid rental under your belt to create momentum.

Now that I’ve gotten my first deal under my belt, I’m eager to learn from those of you who’ve scaled successfully—especially in tighter markets where finding good deals or value-add opportunities is tough.Looking forward to networking, learning, and sharing the journey.

Once you get that first property under your belt, the rest of the learning curve gets a lot easier.

I’ve been a Realtor since 2017 and an investor since 2012, now with 60+ doors under my belt.

Just focus on getting one solid deal under your belt first.