CRE financing has a wide spectrum of rates and underwriting criteria.

I think SFR, Small apartment buildings, and smaller type commercial properties are priced at the higher end of the spectrum right now, and have a larger probability of underperforming in the near to mid term.  

On the other hand, you could rent a low-end Air BnB with huge profit potential, huge loss potential and requires tons of hands-on effort.You need to figure out where in that spectrum you want to be.There is a lot of great information on the internet, and obviously there's a lot of junk. 

The site can be confusing but you can use this step by step guide to help you through the process.Step 3: Get Internet Research available internet services in the area (most common will be Google Fiber, AT&T, and Spectrum)Step 4: Transfer Electric, Water, Gas, Trash service to your accountThe most common utility companies will be:CPS - Electric, possibly trash and natural gas as wellSAWS - waterGrey Forest Utilities - possibly for natural gasTiger or Metro Waste - Possible for garbageCall the utility company and request to start service at the new propertyStep 5: Set up furnitureMonitor Amazon shipmentsMonitor other shipments for furniture Once all furniture has arrived, schedule a TaskRabbit furniture assembler to assemble all the furniture and open all boxes or do it yourselfOnce everything is unboxed and all items are assembled, schedule a Thumbtack Trash Removal Company to take the trash away (there will be a lot!)

To summarize, I helped build a 110 unit building and the developer received incentive to have spectrum installed in their units.

That said, the unit above it is a three bedroom and I would have rented by the room if I needed to.Theres always a spectrum of comfort vs cash flow and everyone is allowed to be somewhere on that spectrum.

That's too broad a spectrum, which means analysis paralysis and doing nothing:(What's your definition of "Commercial"? 

Hi @Melinda Mahan,Every major city offers a broad spectrum of investment outcomes, and success depends on understanding the specific nuances of the local market.

The "Risk Spectrum"The IRS Audit Guide puts methods on a continuum:The "Rule of Thumb" (Risky): Uses generic averages (like Company A's 38%).

But at the same time, I end up interacting with the business side quite a bit, especially when it comes to deal flow, systems, and communication between different roles.I’m also brushing against the passive side indirectly — mostly through investors who operate in both lanes and want cleaner systems around how opportunities are brought to them.So I’m definitely strongest in active, but with overlap into the first two categories because of how intertwined everything becomes when you’re working deals consistently.Great breakdown — curious to see where everyone else falls on this spectrum.