I have been an investor since 2009 and work as a loan originator since 2018 all in Dallas.

They've even called my mom who we don't live with anymore (but lived with at the time we applied for the loan).

Strategies like living in a duplex or triplex, adding an ADU, or renting by the room can help maximize cash flow while leveraging FHA or VA loans for lower upfront costs.

Or if its not that much you could get some other type of loan and use a 2nd lien on the property as collateral.

Hey @Mark BondI'm an investor agent in Worcester/Fitchburg area, and an investor myself as well in small multifamily.

I moved to miami and it's tough to do here columbus land is cheap. lower than lenders even require our buyers have to come up with additional equity just to close the loan. not sure austin's economics but happy to look at a case study with you to see if it's feasible 

If you ever need insights on financing options for rental properties, including DSCR loans to scale your portfolio, I’d be happy to help.

I would like to have a small portfolio in 2 years.

We do live in a small rule area where properties are a little cheaper, but so far it’s been very difficult to find something that seems to pencil out.

Since bathrooms are relatively small, using some unique tiles and fixtures won’t break the bank and will go a long way with buyers.3.