With a low 4.75% rate but minimal cash flow ($50–$125/month), your equity could likely work harder elsewhere.

Just focus on running the numbers carefully to ensure the property cash flows or at least covers expenses, and don’t hesitate to lean on resources here for advice.If you’re financing, look into FHA loans, as they’re great for first-time buyers purchasing up to 4-unit properties with low down payments.

These platforms typically have billing policies where you pay a per unit fee per month to the software and you get regular updates and support each month.There are a number of low-cost platforms available that are able to offer you a lower price by passing along some of the costs to your tenants (payment processing fees, applications, tenant screening, etc).

We'll certainly want to keep the property tax basis as low as possible if we hold it.

Other introverts will feel comfortable with you and that could actually help your journey......more important qualities are honesty, integrity and being a harder worker than others.Just be yourself and go get started.

Can you tell us what your fees are for this loan to achieve such a low rate? 

Ultimately it was the customer service and poor quality of my post cards that caused me to leave.

The problem is: A traditionally financed low-down payment house-hack with traditional long-term rents simply won't cash flow during occupancy, or after, in many MCOL-HCOL markets in the US. 95% leverage at even 5.7% just won't work in a lot of cases right now.

Nobody likes to work hard in the heat.The biggest concern in the past has been winter, but 2024 was the warmest year on record and we have seen +3F on average in every season, which really took the edge of winter (you can call it brown grass season now) while summers are pleasant 75-85F.The cost of living is low, yet the quality of live is relatively high.

It is harder to find good information if the forum is cluttered with low value information.