You are right that many banks want a proven track record before offering construction loans, but leveraging your home equity to get started is one of the smarter and lower cost paths if you have the capacity.

I have access to see properties on market with assumable mortgages for FHA. 

The shared upstairs bath might cap rents, but offering main-floor access is a slick move.Your $1,250-1,500 range for larger rooms could work with those premium perks (golf sim alone is a $200-300 draw for enthusiasts).

I’ve been digging into it lately as my Real Estate Team I am partnered with has multiple multifamily projects for MLI Select — the ability to access higher LTV ratios (up to 95%), amortizations up to 50 years, and better debt coverage flexibility sounds like a serious game-changer for investors focused on affordability, energy efficiency, or accessibility.Curious to hear —Have you or your clients gone through the MLI Select process?

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Quote from @Melinda Eilts: It feels like note investing is gaining more attention recently.Maybe it’s because of the lower maintenance, steady income, or flexibility.If you’ve been in the space for a while — what’s driving the shift, in your opinion?

We have seen the cooling and tried to budget for the lower ARV and are doing a lighter rehab. 

If your property is up to par you won't really have many maintenance calls except minor stuff such as plumbing clogs which is more likely to happen and requests to turn the AC up or down which you can do on your phone but other than that pretty hands off.Vacancy depends on location and your Padsplit property score the more comfortable you make your property (mini fridges, tv's, outdoor area) the lower your vacancy rate but you can expect about 10% vacancy factor in a Padsplit friendly area (centrally located, easy access to public transportation).

I value transparency, consistency, and learning from those ahead of me.I’m looking to:Network with experienced investors across Miami-Dade and South Florida.Learn best practices for evaluating deals, negotiating, and structuring wholesaling as a true business.Build long-term relationships with cash buyers who want steady access to off-market deals.What I bring:Strong research and problem-solving skills (tech/cybersecurity background gives me an OSINT edge for skip tracing & lead research).Persistence, adaptability, and a hunger to learn.A collaborative approach — I work with two dedicated partners so we can cover all angles of the business (research, seller contact, and buyer relations).My mission:Close my first few wholesale deals this year, reinvest into better tools and education, and become a trusted connector between sellers and buyers.

A price reduction lowers the purchase price.