.- Background: Took some real estate classes before but really a lot of self learning on creative financing - Current Goal:To close my first wholesale deal within the next few months by learning from seasoned investors and applying proven strategies.I'm here to absorb as much knowledge as possible, so if you have any tips or resources, I’m all ears!

Quote from @Henry Clark: At top of hill.  

I want to upgrade my house up a notch in the couple years and get a couple little extras like that.  

So on numerous occasions, I have expressed my concerns about staying within my budget.Now on top of this, the property manager let the pipes freeze and they leaked and the boiler also cracked which I was told to file an insurance claim.

. - Rents are also a function of supply - 2024 saw the most new construction of multifamily units in American history (nearly 575,000 estimated 2024 deliveries of new multifamily inventory), and 2025, while not a record setting year, will see deliveries top 500,000 again - a huge supply increase. 

Sounds like you've found a reliable resource for SBLOC, but what you are describing almost sounds like preferred equity as well. 

If you’ve got strong tenant demand, proximity to top employers, or even access to public transit, you’re laying a solid foundation.

By the way, she doesnt turn on the heat then turn it off: she has never turned it on. she uses a small table top electric heater when she's home.Your suggestion is my "option 1" which Im afraid will be too costly for both of us.

Try to narrow it down to your top 3-4.

Resources are endless here.