There are several good markets in Michigan for this.Also recommend using a property manager to keep your investment as passive as possible and for compliance purposes with Fair Housing Law and local regulations.To Your Success!

I can check in with my local bank, but I don't want to waste their time when I'm not yet serious about doing a loan with them.   

I’d be curious to know what local company you found that would quote it, and if they used the CA Fair Plan in their quote. 

Quote from @Paige Gardner: Does anyone have Any HML recommendations I'm a beginner and want to get started right away but want to weigh my options  Local to your market, happy to connect to help or point you in the right direction.cheers!

I'm passionate about teaching real estate in underserved communities and helping others build wealth through knowledge.Looking Ahead: I’m seeking local and out of state investors, lenders, and professionals in the Atlanta area for STRs and MTRs, and in Birmingham, Phoenix, Columbus, Macon, and Augusta, GA for long-term rentals and small multifamily deals.Let’s connect if you share my vision for creating real estate that not only generates wealth but also builds lasting, positive change.

Yes, Mustafa Lakadawala from Clarke Realty (local to St.

You may able to find someone local in Dallas who could help you.I've also known investors who do rent by the room.

You picked a great community to join.. have you checked out local comps to gauge the market vibe yet?

You can work with a local credit union that does HELOCs, Home Equity Lines of Credit or Loans, on investment property.

As always, DYOR (Do Your Own Research) The area has a mix of stable, long-term residents and rental demand—especially with Section 8 tenants—but it does vary block-by-block.Key things to consider are Rental Demand, Property Condition and Management (a local property manager can help navigate tenant screening and city requirements)It’s not as bad as the headlines make it seem, but success here depends on buying right and the right property manager.