Depending on your strategy, you can house hack in cities, invest in mid-term rentals for professionals, or explore BRRRR opportunities in more affordable markets like Pueblo or Greeley.

I have found someone that has great income and can really afford to stay in the home. 

One housing authority wouldn’t even entertain the request, while another was open to it because it was an affordable housing property, requiring just an application for the exemption.From my experience, dealing with government agencies, especially when trying to save money or get financial benefits, can be a slow process.

Identified ABQ as a target due to affordability, city potential, industries (military, medical and film/TV).

.🔹 Co-Living is Gaining Legal Ground:Colorado eliminated all restrictions on the number of unrelated adults living together statewide as of July 1, 2024, marking a major victory for co-living advocates.This week, Jacksonville Municipal Court ruled in favor of PadSplit, voiding citations for “illegal boarding houses” on constitutional and fair housing grounds.Cities like all over like Washington D.C. are considering zoning reforms to allow more co-living developments as an answer to the housing crisis.As Airbnb restrictions tighten, co-living is emerging as a scalable and legally sound alternative that balances affordability, tenant stability, and community needs.

Have a six figure 9-5 but exhausted of corporate affordable housing world bs.

If your credit score is low, ask them how to improve it enough to get the best interest rate.Honestly I don't think you really need to be "underwriting" right now other than to have a general idea about how much house you can afford based on your salary, down payment, and savings. 

Some areas worth looking into:Centrally located neighborhoods like Alhambra and parts of Maryvale still have affordable properties with strong rental demand.West Phoenix (Tolleson, Avondale, parts of Glendale) offers good price points with room for appreciation.South Phoenix is seeing a lot of development and has solid long-term potential.Mesa and pockets of the East Valley can work, especially if you find something that needs light rehab but has strong rental demand.It’s definitely tough to get both cash flow and appreciation in today’s market, but if you’re strategic with your buy, rehab, and financing, BRRRR is still doable in Phoenix.

You are deciding between buying a multifamily or a large home and renting rooms and asked the pros and cons of buying a large home and renting rooms.The first thing you want to consider is zoning and how the local government regulates rentals.Some communities limit the number of unrelated people who can rent in a property.Once you confirm how many people can rent in a property you want to have a local title company look at the deed and covenants that may limit the number of unrelated people who can live in a property as well.The pros are a property may check out that you can rent to a reasonable number of people in the property and the cost of the big house may be less than a multifamily offering a greater ROI and you are using the property for its highest and best use adding value to the community with affordable housing.To Your Success!

East of San Francisco, the more affordable counties Alameda and Contra Costa homes prices are down 0.7%. $700,000 to $1,700,000.