Another option is considering Section 8 or local housing programs that often cover rent directly and open up your tenant pool.

There are specific programs that allow for more than one property or unit on one parcel/lot. 

After paying for several programs, coaching & taking advantage of as many free things as possible - I finally got my real estate license & joined a very influential investor friendly real estate brokerage.

For example, with certain vacation home programs, a secondary home can be purchased with as little as 5% down, which significantly lowers the barrier to entry for investors who want to offset personal use with income production.

Guru's pitching programs that are one size fits all are no longer worth the investment - and we all see plenty of them being pitched on social media. 

There are those who come into the core neighborhoods with the thinking that they can exploit Section 8 and other programs aimed at fighting homelessness and for those sorts there will be obstacles. plenty of them.

This criteria is for 1-4 and 5-8 unit programs.

Your biggest advantage right now is the ability to use FHA / owner occupied financing programs while your living expenses are low.

As a lender, here are the programs I can support investors with:• Conventional loans• FHA, VA, USDA• DSCR Loans (short-term rental + long-term rental)• Fix-and-Flip financing• Bridge loans• Construction & renovation loans• Ground-up development financing• Portfolio loans• Bank Statement & Non-QM options• Down Payment Assistance programs• Cash-out refinancing for both residential + investment portfolios I’d love to connect and be a resource as you continue scaling toward 100+ units.

It is all about whom you know.Multifamily residential is its own animal and with the recent administration changes with commercial agency, those programs have definitely loosened up a tad, especially on the experience requirements.