If you have 1-4 unit residential that's already cash flowing I would go DSCR if you have a ratio of 1 or more.

Are you looking for cash flow?

Since 2020 I have doubled my salary, moved into an apartment with my father to save rent, and was able to save over $150k cash towards an investment.  

It's amazing how cheap it can get when you're paying physical cash and having your contractor pick it up at the warehouse.

House hacking with an FHA loan is a great way to minimize living costs while building equity, or you could invest in an out-of-state rental for steady cash flow.

@Shayan SameerThe non-paying tenant could impact your short-term cash flow, so consider the potential costs and timeline of eviction in your state.

I recently worked on an off-market deal here that turned into a great BRRRR success, proving how the right team and strategy can create equity and cash flow, even from a distance.If you ever need help analyzing deals or navigating the OKC market, I’d love to connect and assist however I can.

Make sure to analyze cash flow, including conservative estimates for vacancy and maintenance.Indianapolis Market: Indy has solid multifamily options in neighborhoods like Irvington, Fountain Square, and near downtown.

What you spent on the land/lots can go towards your down payment and, if you've owned the land for more than 6 months, you can use the value of the property toward the cash injection requirement.

So it's a waiting game for that property until you have enough to do a cash out refi.