Definitely don't overlook physical bulletin boards at the library, grocery store, or coffee shop; they still surprisingly generate leads here. 

For an investment‑property HELOC, shop local banks and credit unions; ask about interest‑only periods, draw‑as‑needed, prepayment fees, max LTV, and seasoning rules for the refi.

There is not the heavy lifting of moving all of your stuff when a mid term tenant moves in...even if the weather is terrible, you just show up with your bags.

You need to do some mystery shopping and look at your competition.

I’d be happy to help you explore multifamily options and share what financing would make the most sense for your goals.To hit your questions one by one:• I’m a mortgage broker, not a direct lender — that means I shop multiple wholesale lenders to find the best rates, terms, and programs for each client.• I offer a full range of conventional, DSCR, investor cash flow, bank statement, and portfolio multifamily loans.• Yes, I can communicate directly with listing agents to help strengthen your offer and show that financing is solid.• The money I lend comes from reputable wholesale lenders and banks I’m approved with — all underwritten through standard agency or investor guidelines.• For down payment assistance, those are generally limited to owner-occupied deals — happy to run through what’s available if you plan to live in one of the units.• To start, I’d just need some basic info about your goals, income, credit, and property type — we can figure out the best fit from there.• Pre-approvals usually take 24 hours or less once I have the necessary info.• Yes, I have rate lock programs available through several of my lenders.• I can absolutely share references and reviews from clients, including some who are active here on BiggerPockets.• And yes, I regularly connect clients with investor-friendly agents, property managers, and insurance pros in the area.If you’d like, we can set up a quick call or Zoom to talk through what you’re looking for and get you pre-approved.– David Stephens

So, owners mistakenly think price is the only differentiator – and look for a PMC like they’d shop for groceries☹We encourage you to learn from the mistakes of others by reading posts here on BiggerPockets from owners that picked a PMC solely by price and regretted it.We recommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Even if someone gives you a referral, do NOT make the mistake of assuming that just because a PMC met their expectations, they’ll meet your expectations.

.📊 Bottom line: These closings reflect buyers shopping back in July and August, before rates began to dip.

Yikes, when I was originally shopping for property management they seemed to be highly regarded and even a little snobby in terms of which properties they would service or not.

Hi David, I am happy to call and discuss more about what you are shopping for, call or message me anytime

Guaranteed Payments Reduce Vacancy LossesEveryone talks about rent amount, but what destroys cash flow is vacancy.Market tenants might pay more on paper, but:They leave unexpectedly.They bounce after a job loss.They shop around for a cheaper unit every lease renewal.They stop paying during emergencies.Section 8 tenants:Have the majority of rent paid by the government.Almost always renew.Rarely move because vouchers are hard to get.Have near-zero delinquency.Guaranteed rent + low turnover = higher net cash flow, even if the “rate” didn’t look higher at first glance.3. 2025 Economic Conditions Favor Predictable IncomeInterest rates are still high.