I would suggest here that you find a team that has strong boots on the ground and a good record of management.I would be happy to help answer any further questions you had.  

I saw two headlines this weekend that hit hard—Trump is pressuring the Fed to drop rates fast, and DeSantis appointed a new CFO who supports eliminating property taxes. That’s not normal news… that’s a big deal if you...

This is what I think of when you say you have an Airbnb (or just a room to rent):https://www.airbnb.com/rooms/39082421?adults=2&search_mode=r...When you say you have a STR, I think of something nicer:https://www.a...

.: Appreciate the gut checks — here’s where I’m at and a couple asks:Margins/reservesYes, underwriting includes vacancy (7%), PM (~9–10%), taxes/insurance, and reserves for repairs/CapEx.At in-place rents ($2,150/mo) the model shows ~$89/mo cash flow after debt + vacancy + reserves with DSCR ~1.32.Getting to market ($2,400/mo) materially improves cushion, but I’m not banking on it Day 1.Rate / productI have two current quotes from credit unions: 8.420% and 8.375% (30-yr amort, DSCR, 80% LTV, 5-yr prepay).If ~6.4% is realistic today on a DSCR for a 2-unit at 80% LTV, I’d love intros to those lenders. 6.42 is not realistic for a DSCR at 80% ona two unit without paying way too much in upfront interest (also called discount points) but 8.420 is also too high with a good credit AND a 5 year pre-payment penalty. 

House-hacking can be a great way to ease back into real estate investing while also helping your son gain independence and a strong financial foundation.

With 20 years of experience and a focus on collateralized hard money loans, it sounds like you bring a lot of valuable insight to the table.

The lower floor came with a bedroom, full bath, storage, patio, and a large bonus room.

A secluded corner lot and sloping front lawn provide space to play and a sense of privacy.

Areas with strong job growth, good schools, and a vibrant community often attract long-term tenants, ensuring consistent rental income.

My husband and I own a rental property and a campervan we rent out short-term, and we’re focused on building consistent cash flow and long-term equity.I’m here to learn from the community, share my journey, and connect with others who are balancing real estate with other ventures.