I made a few small improvements to the landscaping, I bought a few new appliances, updated a few fixtures, added blinds to the windows, minor drywall repair/paint, and marketed the property as a 4th bedroom that would make great home office/den instead of a 3 bedroom plus office/den.What was the outcome?

@Matt Wignall I have offices in MN and can say the # of companies willing to insure older buildings has gone from 10 to 1-2 in 2024. 

Although both can have a decent cash flow - Sacramento, Roseville, Folsom : on the radar because of healthcare, tech, govt and insurance offices.

Michelle, I have offices in NE and can say 95 % of the companies have pulled out of the market. 

I saw a townhouse development in an established area and even then they added a commercial building for a bakery/coffee and a dentist office. 2.

Thank you for your response but not sure how Baltimore City Housing Office's incentive or Tenant Opportunity to Purchase Right can mitigate subpar tenant quality to a landlord.

Some loan officers can comment more on those.

Think of it another way, if you invest in apple stock and show up to a store asking questions or their office to ask questions and say you are an investor in the company - what type of response do you think you would get?

@Maria Murphy yes correct, simply paying the debt in the owner's name to hacienda (tax office)/government first as part of the purchase at the notary and everything left to the seller.Valencia has worked quite well for us the last years and compared to Barcelona/Madrid the m2 prices are a lot lower.

How can a 20th-year-old approach commercial loan officers and investors to lend the money to invest in a 8 or 10-unit apartment?