What’s been working for me and my circle lately:Seller financing: solve the seller’s problem first; short-term interest-only with a balloon after value-add keeps cash flow strong.Sub-to/wraps: take over low-rate loans and keep the seller whole—huge when DSCR is tight.Hybrid: small seller carry + private second to cut cash in, then refi into DSCR once stable.Private money: secure with note + mortgage/deed, pay on milestones, send updates—consistency = repeat capital.HELOC/LOC stack: close fast, cover rehab, then refi—speed wins deals.Lease-option: control now, improve, then exercise once financing improves.

The positive cashflow can help prepare for these improvements.

Or improving it (like house flipping)?

A couple of thoughts on this:Bonus depreciation is available on improvements and capital expenses with a useful life of 20 years or less.

I usually start with 75-80% leverage because that is what my bank will allow and once my leverage is down to around 50%property due to improvements or market appreciation and/or loan pay down, I use it as collateral or cash-out refi to buy additional properties or I sell it to buy something bigger because I am focused on growing my business by expanding my portfolio.

They may do a cost segregation study, which accelerates depreciation on things like furniture, appliances, and improvements.

It is so common for people just to say "I need to improve my score" or "pay off debt" without context of how you got in that position.

Refinancing has been a key move for many landlords looking to expand.Cash-out refis can free up capital for new acquisitions while rate-term refis improve monthly cash flow.Have you refinanced lately, and if so, did you use the funds to scale or just improve your position?

Did it improve retention, or did they not care as much as you expected?

Winter is creeping up, and for those of us managing older multifamily buildings (especially the pre-war stock with steam radiators), heat season is right around the corner.One small, inexpensive improvement I’ve been testing is retrofitting radiators with covers.Here’s why:- Safety: Tenants with kids or pets don’t have to worry about burns.- Efficiency: Covers with reflective backing help direct heat into the room instead of into the wall.- Aesthetics: An old clunky radiator is rarely the best look.