Hey Shaun,Yes 90% on either HELOCs or HELOANs are pretty common. 

I'm not waiting around to get older, I'm pretty much already there!  

You’re right to be cautious - Fort Lauderdale’s market is pretty saturated now, and margins have tightened.

I have sold on a lease option before and I’ve had some pretty positive success with people getting their own loan and cashing me out.So let’s say I had a seller that was fine to do a lease option.

I compared several AI's to each other and for the money, small investor REALAI is pretty damn good. 

The project turned out solid and I’m still cash-flowing well, but since I had to use my own credit, it hit my credit score and DTI pretty hard.I’ve now climbed back above a 700 credit score, but my DTI is still high, so I’m trying to be more strategic before jumping into the next deal.Here’s my current buy box:Property type: 2–4 units (duplex, triplex, fourplex)Market: Oklahoma, Cleveland, or McClain CountyTarget purchase price: 200KFinancing: Conventional or DSCR Goal: Long-term cash flow I’d love to hear from those of you already in the small-multifamily space:What mistakes should I avoid when transitioning from single-family to multifamily?

If they include selling costs, as they should, pretty much 100% of those loans were underwater on closing day.

It has not been well kept up, as the owner is getting old and has some health issues. 

Student housing just hit roughly 95% occupancy for Fall 2025, while many conventional multifamily assets are still hovering under 90%.That’s a pretty wild gap when you think about it.Even with higher rates and tighter lending conditions, demand for quality, campus-adjacent housing hasn’t slowed down.

Those two apps are the biggest players in the industry right now.I haven't kept up with Yardi so not sure how they are exactlyBut both of these can pretty much do custom reportsAppfolio offers custom report builder so you can pretty much build your own report to what you are looking for.For the fees, are you referring to like markup?