A lot of investors argue that flipping distressed properties straight off the MLS pushes prices higher and makes it harder for first-time homebuyers to compete.

With your income + credit + experience, lenders WILL compete for this.You’ve got:800+ creditHigh W2Experience in operations/asset managementA realtor rebate (which is basically free down payment)Stabilized assets, not heavy value-addsThat’s the borrower every bank wants.My recommendation (most realistic + easiest):Step 1: Lock all 4 under contract with extended closingsYou want 60–90 days if possible.Step 2: Go to 2–3 local/regional Arkansas banks and pitch the entire roadmapTell them:“I need short-term financing (6–24 months) on up to four 4-plexes with a guaranteed takeout via conventional OO loans every 12 months.”This language is what commercial lenders understand.Step 3: Use one bank to fund all four under a master note / line of creditInterest-only, 12–24 months, no prepay penalties.Step 4: Refinance each one every 12 months into your OO productFree up capital, rinse, repeat.Final thoughtYour plan is aggressive, but it’s far from unrealistic.

For a renovated Pilsen 3-flat, somewhere $10–13K.Also check rent comps for new construction Woodlawn: if more buildings deliver, you may be competing through concessions or slower lease-ups.If it were me and I wanted a smoother first few years, I’d choose Pilsen unless the Woodlawn building is truly special or priced with enough cushion.Happy to run the numbers with you if you want to stress-test both deals, Chicago is all about underwriting the next tax bill, not the current one.

Banks do not want to compete most investor loans are now funded by private equity companies and eventually securitized.

But if you can make it hyper-local, customizable, and dead simple to use, then it’s less about competing with ChatGPT and more about giving investors a tool that speaks their language in their market.Curious — how are you thinking about the renovation cost side?

Good post.We use a competent SEC attorney that creates all our docs and does the state filings. 

We're looking to revamp our investor tools for 2026 and are curious on which sites individual investors prefer to use to shop for properties? 

But if I'm being honest about which mattered more, it was the acquisition.Good execution on a bad purchase price just makes you competent at losing money efficiently.

Maybe hit up some mortgage brokers in Atlanta to compete with the folks quoting you 6.25%.

Did that purchase price include funds to compete a portion of the rehab?