@Devin JamesNothing in life is typically handed to you and nothing is typically get rich quickThe most successful people I know show up everyday and grind it out- they don’t let a failure destroy them - they get up and keep going.If you also read all the great business books etc they all say the same thing - be humble, be consistent and have a plan.

Feel free to reach out and I'd be happy to share more insight with you.For traditional buy and hold investors, long-term rents are up 1.3% year over year... not bad considering how quickly they jumped between '21-'23. 

I oddly enough started with Rich Dad, Poor Dad, and then went on to three more books from Bigger Pockets publishing who all mentioned that book.

However, I’m hitting a roadblock with traditional lenders, as my loan-to-value ratio (LTV) isn’t matching their criteria.

This route can help generate more cash flow than a traditional rental and offset holding costs, even if occupancy rates fluctuate.Rehab: Use part of your bonus to address those problem areas for a BRRR approach.

Work a lot, save it all, eat the food that your mother makes for you and go to work- then when you have a big pile of money of your own you can decide if you want to risk it On real estate.Read Rich Dad Poor Dad.Good Luck!

Set for Life by @Scott Trench is a good primer, along with Rich Dad Poor Dad so you can different views on what it's like to start.

Hello and thank you for this reply - yes, I have been analyzing a few properties - I have found that the main issue for both the traditional long term rental and also short term rental in this area is reliable property management - it is traditionally a cottage country tourist area, but it is becoming more popular for long term residency, and there is an emerging missing middle, because of property prices.

Traditional lender is most appropriate (not hard money). 

Are you only doing private money are you doing asset based/traditional as well?