Your experience and range of financing options sound incredible—especially your work with DSCR loans and BRRRR strategies.

I work closely with commercial properties and have been seeing a wide range of approaches when it comes to cleaning, especially around tenant turnovers, post-construction cleanups, and recurring maintenance.I’m curious from the ownership and property management side:What tends to be the biggest pain point with cleaning vendors?

One thing I've noticed that helps with margins - focus on neighborhoods where the ARV spread between renovated and as-is comps is still wide.

I don't want to repeat what the others have said, but an old banking buddy of mine was moderating a panel of bank Commercial Real Estate lenders and they expressed a great deal of concern over many types of CRE, particularly multi-family, that the operating costs were going up a great deal faster than were market rents.

Pretty wide spread.I would re-look at your comps with 3-6 months first then go to a year and see where you are at.

Rent range - What the segment is willing and able to pay.Configuration - Two bedrooms, three-car garage, large back yard, single-story, two stories?

Most housing authorities set their own payment standards, often within a range of FMR, and the final approved rent is based on rent reasonableness and inspection outcomes.

If the numbers only work when everything goes right, it’s not a deal.The ones worth digging into are deals that still make sense using conservative ARV ranges, worst case rehab assumptions, and realistic timelines.

Yes — 5% down on an owner-occupied 2–4 unit can be possible, but it’s not as widely offered as people think and it’s very guideline-dependent.A few points that usually explain the confusion:Many lenders will do 5% down on 1-unit but require higher down payment on 2–4 units (often 15–25%) depending on the conventional program, unit count, and the borrower profile.Some lenders simply don’t have the product appetite for 2–4 unit owner-occupied, even if it’s technically allowed under certain guidelines.Expect tighter overlays: reserves, DTI, rental income treatment, condition requirements, and sometimes LLPA hits that make it less attractive for the lender to offer.If you’re house hacking, the most common low-down paths I see people actually close are:FHA (especially on 2–4 units) if you can tolerate MI and the appraisal/condition standardsConventional options with higher down (varies lender-to-lender)If you want, share the unit count (2/3/4), target price range, and whether you’re trying to use projected rents to qualify.

If it only works at my best-case ARV, I pass.I've been using PropLab alongside Redfin to cross-check comp ranges - helps catch deals where the ARV spread is too wide to underwrite confidently.