Hello @Leo Chun,I think you're going about this the right way - phone calls, zoom meetings and the willingness to meet in person.Whats missing is the quality and quantity of contacts.

You buy it with the hard money, use the hard money to renovate, then rent it out, after it has been rented (typically banks want 6 months showing the cashflow), you refinance, pay the harmony lender back + interest, boom you now have a cash flowing property with very little money.As far as finding a lender, I always recommend looking local.  

.- Your unit revenue and quantity has to be sufficient to offset the "costs" your putting in.

They're not smoked in the quantities required to stain the walls brown or to make everything stink... not for lack of desire, I'm sure, but due to the expense. 

It's really something best done over time if you want to preserve harmony.

Now you certainly want to set the stage for harmonious living between your residents and the neighbors, not just immediate neighbors next door.

I get you can have problems at any level but Id rather mitigate that with Quality over quantity.

A mix of many assets in conservative quantities arguably is the safest way forward. 

Lately, I am seeing that quantity of homes kind of disappear.

Until you hit 50% range in design will you have enough info for a good quantity count on materials.