This year, let's prioritize learning and adaptability, recognizing that continuous growth is key to staying ahead in an ever-evolving world.Networking and collaboration will be crucial as we navigate the changing landscapes of industries.

The overall LTV (including all 3 mortgages) will be key and your selling point will need to be that the 2nd mortgage ($8k) will burn off in 2.5 years (based on your surprise that it was even out there, I'd recommend that you follow up in 2.5 years and ensure that it's been satisified, so that it doesn't surprise you again in the future).Does the $8k grant vest over the 5 years? 

Partnering with an experienced local agent will be key—they can guide you through the market and help identify the best opportunities.

Then, they sign the lease, are issued a key, and can move in.Nobody moves in without passing my screening and signing the lease.

the key will be breaking the Broker code its one thing for Brian to get a look at good deals its another for the average investors 

There are lots of vetting processes and details that need to be addressed before handing over the keys. too late now. 

Timing is key—catch a hot market or a great 1031 exchange opportunity.

I can say from having taught classes on these loans that your contractor will be the biggest key to your success.

Reserves are key as  @Theresa Harris has pointed out.   

Is in there, but a great thing you can do now is get your "core 4" figured out - agent/lender/manager/contractor - obviously you can adjust this and do one of the pieces yourself (self-manage for example) or don't need a contractor if you do only turnkey etc but getting this nailed down early is key