laughed when I saw that comment as you are correct don, we correspond with multiple DSCR lenders who are the institutional lenders and most do not allow a second and if you do it has to be disclosed upfront and never would allow 100% financing on it AND it still has to meet their DSCR requirements.Saying it does not matter basically is admitting to mortgage fraud.

Investment Info:Single-family residence renovation investment.Purchase price: $45,000Cash invested: $43,650Sale price: $135,000Contributors:Peter VekselmanPartner Driven partnered with Preston Moore on a renovation project in Guntersville, Alabama.

You’re not a random office where they’re one of 200 clients.Communication – Clear update schedule (monthly report, repair approvals, tenant issues).Cost savings – Yes, lower fee, but frame it as efficiency, not discount labor.Shared trust – You’re protecting their homes like your own.But — and this is important — you also need to show you’re taking this seriously as a business, not a favor.Before you pitch, line up:A basic management agreement (spell out duties, fees, repair limits, etc.)Process for maintenance (who you call, response times, emergency plan)Screening criteria (income, credit, background, pets)Rent collection system (online payments only — no chasing checks)Local landlord-tenant laws knowledge for VAStarting tips that matter most:Screening makes or breaks everything.

The key is buying something where one unit covers most (or all) of your payment.Don’t just “save blindly” for two yearsInstead:• Study actual duplex numbers now• Learn rent comps• Run conservative projections• Talk to a lender to understand your real buying powerYou may realize you can move sooner, or that you need slightly more reserves.Biggest risks to avoid:• Overestimating rent• Underestimating repairs• Buying for appreciation instead of cash flow• Not budgeting reserves (I like 6 months PITI minimum)Think long-term strategyIf you house hack every 1–2 years, you could realistically own 3–5 properties before 30.

In some areas, the ROI ends up being more stable than pure nightly STR.At a $250k purchase price, I’d pay close attention to:• Local STR regulations and enforcement trends• True occupancy patterns (not just projected revenue)• Seasonality dips• Insurance + turnover costs in that zip code• Your exit strategy if you ever pivot to long-termOut-of-state can look stronger on paper, but it adds layers operationally unless you already have reliable boots on the ground.If your goal is scaling, I’d focus more on operational predictability and repeatable systems over chasing the highest projected ROI.Happy to share a little more of what I’m seeing in ATL from the operations side if it helps.

Balancing work, classes, and investing is doable if you batch tasks and keep your projects simple in the beginning.

If you ever want to walk a real project and see the scope/budget process in person, you’re welcome to come take a look.

But when people who have little-to-no experience with weapons start projecting on to /diagnosing those who do, it is a bit much.

Anyone who paints a broad stroke against Newark either has no real experience living there, or is lying for the sake of getting a laugh.Springfield and Irvine Turner hasnt been dangerous in at least 10 years (since Sharpe tore the projects down).

Now you have a 35% head start on the project costs.Now the house needs 70k in work to get a C/O.