I'm glad to join this community and start connecting with other individuals in the real estate market. 

At the end of the day, once you’ve got stabilized SFRs with leases in place and can show consistent rent collection, you’ll be well-positioned to refinance each property individually and complete your BRRRR strategy.As for your question about prioritizing a local lender — it really depends.Local lenders can sometimes be private lenders who’ll help fund the purchase and renovation phase, but they typically don’t offer long-term loans.

I’ve reached out to over 20 lenders — everything from hard money to business credit lines — and most said “no” until my bankruptcy is discharged or four years past discharge.I’m not looking for personal loans or unsecured business cards — just realistic options for property acquisition or rehab loans where lenders focus on income, deal strength, or collateral value, not just credit history.If you’ve worked with any smaller or more flexible private lenders — even newer companies or individual investors — I’d really appreciate if you could share:Who they are (or at least what type of lender they are)What their approval terms were like (credit requirements, bankruptcy flexibility, etc.)What worked best when approaching them (structure, pitch, documentation, etc.)I know a lot of people in this community have rebuilt after tough seasons — any guidance or names would mean a lot.Thanks in advance for your insight and for helping someone who’s rebuilding the right way.

It’s been a great way to scale into bigger opportunities without taking on more individual risk or active management.

Always consult with qualified professionals for guidance tailored to your individual situation.

If you have employees besides you and your spouse, you can open a SEP IRA and for 2025, the maximum contribution is the lesser of 25% of the employee's (or self-employed individual's) compensation or $70,000.

This applies whether they are individuals or unincorporated businesses.

We always have each individual do their own LLC and then the 4 LLS do a joint venture as their individual LLCs as participants.

Deal flow is more important than any individual deal. 

(Based on or subject to individual judgment or preference) When Alan Greenspan was Fed Gov, he built the model that led to 2008.