We also have educational programs monthly if you are interested.Shoot me a message and I can give you contact information Thanks Alan

Modern lending relies heavily on the Flat 35 program — a fixed-rate mortgage with a maximum 35-year amortization, not 50 or 100 years (source: Expatica, “Mortgages in Japan,” 2025).

The Bureau is proposing certain amendments to the final rule implementing these requirements, including exemptions for certain nonprofit creditors and certain homeownership stabilization programs and an additional definition of a qualified mortgage for certain loans made and held in portfolio by small creditors.

- Many lenders have foreign national programs, we do a lot of foreign national loans especially in the Miami market. 

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Sure, some voucher recipients game the system (years ago, I had a tenant who knew exactly how many hours she could work and how much income she could earn to remain on the program).

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

If you ever need help running numbers, understanding loan programs, or planning out financing strategies for long-distance deals, I’d love to be one of your resources as you grow. 

Saving 5k per month for 10 months is 50k - typical multifamily properties require 20% down - on a 400k property, that would be 80k, not to mention funds for closing costs etc..You could get into a single family home for 3-10% down on a first time buyer program, which is a bit easier, but the challenge would then be to rent out each room to house hack - depending on the layout of the home this could be doable (but may not be ideal - something to think about).Ultimately, you're on the right track - keep doing what you're doing, keep your eyes open for off market deals, create a habit of checking properties in the market you want to be in daily.