Next Steps after Bankruptcy

[Roscoe D Brunson III]

Greetings All,

Happy New Year! Here's my situation in short: I filed for Chapter 13 Bankruptcy a little over one year ago (Dec 2018). I made some bad decisions in 2018 in pursuit of growing a car rental business with Turo. I cleared everything off my credit, except my 3 single family rental properties (2 in Baltimore, 1 in upstate NY). Since filing, I have continued renting out these 3 properties with no issues. I've focused on learning, growing, paying my rental mortgages, and saving for future investments (as well as saving up a 6 month emergency fund for each property).

All 3 of my rental properties were house hacks that I purchased through the use of VA Loans (I'm a veteran). My family moved in each one for at least a year and then we moved on to the next. I've been renting one for 8 years, one for nearly 3 years, and the last one just started this year! Combined, they have some decent equity.

Hence, I'd like to know some suggestions for proceeding with my investment career. I'm interested in flipping, but I'm ultimately interested in the rental market, more so "commercial"! Taking the bankruptcy into consideration, and the fact that I already have 3 residential loans, how would you real estate veterans out there proceed? What are your suggestions for my financing situation? Thanks