•What types of properties do you usually focus on—short-term or long-term rentals?

However, if you need more flexible terms then look for a local mortgage broker who has access to a lot of companies offering HELOCs with most having more flexible terms than local credit unions. 

The relationship between a broker and real estate investors is built on trust, transparency, and a mutual understanding of goals, which ultimately leads to successful transactions and long-term partnerships.Firstly, a competent private money broker begins by understanding the unique needs and objectives of the real estate investor.

Creative financing, partnerships, or shifting to long-term appreciation rather than strict cash flow might also help in this market.

Investors do not like tenants that pay below market and re locked into long term leases. 

To evaluate Real esteate deals for creative financing, start by identifying seller motivations i.e. financial distress, desire for passive income, do they need a downpayment on their next house, etc  and property factors like equity or existing financing terms.

Or are you looking to build long term wealth for retirement?

With its affordable land, favorable zoning, low construction costs, and vibrant downtown, it's a prime location for both new developments and long-term growth.

Long story short, numbers are much more favorable with MFR.

I will say this short term sacrifice can lead to major long term gains.