Solve it by narrowing your buy box, getting PM‑verified rents before you offer, using line‑item scopes with progress draws, and keeping two lending options on every deal.

I look at the NAR antitrust lawsuit of 2024 and the new commissioning rules and think we are making some progress.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Do you simply list the mailing address for all applicable utilities and services to your out of state business address and hope nothing slips through the cracks?

That’s when you can get a true ARV appraisal and refinance.Some hard money lenders may allow a draw during rehab, but that’s usually tied to construction progress, not pulling your down payment back early.

@Gavin WynnHey Gavin, great question, private money works a bit differently than traditional lending, it’s much more relationship-based than application-based.

4 unit brick building with all 2br 1 ba units in C+ area of Cincinnati called Bond Hill that is seeing some recent investment and is on the path to progress.

@Henry Clark, not exactly applicable to your start of this post but in response to this last reply, do you think its better to build still than to buy existing?

@Jaxon Johnson,Huntsville’s an interesting place for house hacking, and the two of you are in an especially good place given you don’t need to be tied anywhere geographically.As for where to invest in Huntsville, areas along the “path of progress,” so from Huntsville proper to Wheeler Lake, could be worth checking out.If the two of you are open to living in a smaller town close to Huntsville but outside the city proper, areas like New Hope, Arab, Hartselle, Decatur, and Athens could also be worth looking into.

Looking forward to hearing about your progress and happy to chat anytime.