Appreciation favors larger assetsIf you are buying based on numbers, more doors equals more ability to force appreciation through rent growth.Raise rents across four units and the value jumps meaningfully.Raise rents on two units and it barely moves the needle.5.

I primarily help investors through DSCR loans but have the ability to do some other non-QM forms of lending.

This is my thought exactly - if I can remove the ability for modified PDFs to be uploaded, I know I can 99% of the time trust the docs/data that's attached to the application since it comes from verified data sources.

Quick BackgroundMy spouse and I are 100% disabled veterans in Northern Virginia (close to major employment companies/contractors/tech hubs, Reston Town Center, Metro).We both work in tech, but my spouse will stop working soon(burnout).Goal is early retirement + passive income, not building a huge portfolio, which seems difficult in this HCOLAWe’re not handy, but spouse is considering leaving Tech and going to school full time for carpentry utilizing Post 911 benefitsHave around 150-200k in liquid capital We realize that when one spouse leaves tech, the ability to really pay down a mortgage will be greatly reducedCurrent Property (Owned Free & Clear)Estimated value from Zillow: ~$776,300 (does not include massive kitchen renovation)4 bed / 3 bathEstimated rent: ~$3,500/mo (without renovation included)Scenario 1 (Leaning this way)Use a VA loan to buy a smaller primary residence locally (0% down).

As our search progressed, we increasingly leaned into self-represented offers as we became more confident in our ability to manage the process ourselves.

The only issue is the rental amount — but that can actually be the opportunity most people miss.When the lease term ends, you have the ability to adjust the rent closer to market value.

One of the things that attracted us to real estate is the ability to accelerate as you grow, whereas we’re finding the opposite.

In banking, we never relied on “seasoning” alone to determine loan quality, we relied on ability, willingness, and capacity to repay, supported by documentation.

The condo fees can be a huge issue when you goto sell or rent as they directly effect affordability and in DSCR loans so I assume in mortgage payment computation it gets tossed in with Insurance and property taxes and the buyer's ability to. ake the payment so directly influences what you can sell for. 

Furthermore, if the Tenant is happy at the end of that period, and I, as the LL, am satisfied with the Tenant's payment performance and ability to follow rules and processes, I will gladly extend them for an additional 12 months at the same rate and terms. effectively locking their initial rate for 18 months.