You should be able to shop local lenders and credit unions and get a much lower amount of cash out of pocket while still achieving your goal of 75% or even 80% LTV on a commercial note.

I also believe those deals are quite rare and virtually impossible for someone living in Oregon achieve..

Did you achieve significant sweat equity?  

LTR or MTR so regardless of rent style you can go for the long, mid or short.Dayton, OH and Indianapolis, IN are two great cities that my California customers have found great 2-4 units over the last 2-3 years. 

With the right strategy, patience, and long-term mindset, investors can achieve financial freedom and change their family's future.Good luck!

But you need to start answering them for yourself and come up with a clearer picture of what you're wanting to achieve.

Usually, when I underwrite a deal without trending future growth, achieving the target IRR would require some growth over time.

Our total gut ran about $65k inculding all new drywall as the walls had an adobe style finish, plus we added two additional 1/2 baths.

Investing in multifamily properties in the NYC/NJ area can be challenging due to high property prices and interest rates, but it’s still possible to achieve positive cash flow with the right strategies.

@Mindy JensenI don't know if @Jay Hinrichs has ever been a guest, but I love his style and would love to hear from him.