We completely gutted and finished the basement including adding a kitchenette and 3/4 bath, moved out and are now renting both apartments.

And I have tenants that make multiple small payments every month because after they’ve moved in they’ve had their finances screwed up from what they were when I screened them.

@Mike RutherfordHey,Congrats on wrapping up those 12-unit builds—new construction multifamily is a power move, and having a stabilized, cash-flow-ready asset from day one is a huge advantage.

.🔹 Use LinkedIn & Facebook Groups (Private Conversations Only)Engage in real estate investing discussions to build credibility.Once you connect, move to private calls/Zoom meetings before discussing deals.🔹 Word-of-Mouth ReferralsYour past lenders, partners, or other investors may introduce you to new PMLs.Always ask for referrals after a successful deal.3.

For example, if I do S/P top stocks, I could get around 11%. but if I did real estate and I have a 800 credit score - could I do real estate and make it work harder doing turn key Multifamily. 

Or should I invest regardless of student loans if my hope is to use FHA loan for smaller downpayment and then eventually rent the house out in a few years once I move?

I’m looking to stay with CRMLS & move to an MLS only broker.

Rather than wonder, find out, make a decision and move on. 

Are you looking for "value add" options or turn-key?

I moved to Ohio and now work as an agent and a new investor in the Cleveland market.Single families are in the 90-120k price range, and duplexes are in the 120-180k price range.Many out-of-state investors have grown their portfolios in Cleveland using the BRRR strategy.