Hello My name is Aurelien Keutche fosso .I live in the greater Minnesota Rochester area I am new to real estate investing and looking to connect with any local investor .thank you 

I am new to real estate investing and looking to connect with any local investor.

Check your local laws to see when rent is actually late. 

Try networking locally with real estate groups, investor groups, rental owner associations, a local REI, etc. 

@Grant Shipman Great stuff, I'm a big fan of co-living/rent by room strategy, and I do it here locally in Denver metro, and it is the best strategy in today's market for any house hacker to live for free or make money while living there, but they have to sacrifice personal space.

It’s a great way to meet local demand while creating steady cash flow.

I know they have a cap at 10.We have also looked at using local banks in the area but those terms are usually 3 years arms to ten year arms and 20 year loans so it lowers cash flow significantly. 

Focus on rebuilding your credit, saving for a down payment, and learning the local market.

I don't know if this is required in your locality but if it isn't get rid of it.

I agree local banks and credit unions will be better if you're planning on growing your portfolio.