I am in the same boat but the water i am on is nice and calm. What i am trying to say its possible. First off let me say my credit score is 700 and just got discharged from a chapter 11 . i do have previous property and all 5 properties are paid off . i can use as leverage but this is about you man . so i also like you want 100 units and heres how i am actually in the process i spent 2 years looking for apartment complexes everytime one pops up on the MLS iam looking at it and calling finally found this family who owns 80 units and they ran it in a way that they cut corners massively and were losing tenants where almost the units were empty or month to month renters . I knew they wanted out but they were stuck on there old ways and i finally i got them to agree to sell it to me because i will invest my time and the little money i have to make that property look in/out one unit at a time until a bank loans me money to buy it from them . there is alot of property owners who just want out . so iam almost there 80% rent roll and moving them in and the property owners are happy with disbelief of the 1 and 2 year contracts renters have signed and are happy cause they see a light at the end of the tunnel like you should to , forget what people say do it the way you know how then teach us how you did it . you see my profile picture thats a homeless landscaper and all the landscape tools for my complex . his dream was to have an account like this complex,so now all the landscapers in town dont understand how he got this account . the same as i did i looked and asked he seen that grass, bushes,weeds and knew it was his calling so when you pass by your next apartment building ask and you will see.