There are 39 states where no license is required to do business purpose, DSCR, P&L, SBA, commercial, self storage, etc type of loan products.

Plus, there's huge appreciation potential here since there's so many companies moving/developing here (Intel headquarters, Amazon, FB, Google, Nationwide, and recently Anduril).

Zoning Ordinance ExceptionsSome properties in the target zone don’t meet the minimum lot area or width size requirements under the zoning ordinance, yet houses exist on smaller-sized neighbor lots.How could these properties get approval for development?

That’s less about the numbers and more about developing a niche and understanding your product.

To answer your question, no I do not use a PM, I've been self managing for a few years.

Remember, the notion of amassing wealth without investing is a dangerous myth perpetuated by self-proclaimed experts.

Bonus 4: develop a list of questions you want to get answers to before you do any opportunity.

If you are going to self-manage, you need a great TEAM.

either payoff debt like you said or invest in other asset class that's perhaps more CF generating than apartment complex such self-storage/industrial or MHP.

I have several opportunities to snag up a self storage complex and a 18 unit apartment complex on creative financing .