If you’re paying off less than $800/mo on your loan id say sell come April selling season.

I assume you’ve got a loan that says you will be living there.

Rates tend to be 25 to 50 basis points above commercial (5+ unit) apartment building loans, and 50-100 basis points above residential (1-4 unit) loans.

While we currently live in Stephens City, VA, we’re open to investing in other states where the numbers make sense.Real Estate Goals & StrategyInvestment Focus: Buy-and-hold rentals, short-term rentals, and potential multifamily propertiesMarkets of Interest: Open to investing outside of Virginia in cash-flowing, landlord-friendly marketsCurrent Stage: Learning, networking, and preparing for our first investment propertyLong-Term Vision: Build a diversified rental portfolio that provides financial freedom and generational wealthWhy I’m HereNetworking: Connecting with experienced investors, agents, lenders, and property managersLearning: Gaining insights from those who’ve built successful portfoliosCollaborating: Open to partnerships, joint ventures, and creative financing strategiesWith my sales background, I understand the importance of negotiation, deal-making, and relationship-building—all of which I plan to leverage in real estate.

I can check in with my local bank, but I don't want to waste their time when I'm not yet serious about doing a loan with them.   

Conventional Loan

I was pretty leveraged with my HELOC, 401k loans, etc. but I could have been even more aggressive.I only have 12-doors though.

They've even called my mom who we don't live with anymore (but lived with at the time we applied for the loan).

Upgraded the backyard and re-styled and provided high end furnished to the home What was the outcome?

If it is someone you know you can give them a straight return as if its a loan - can provide a lower interest rate to provide upside - it really depends on the lender and what are they concerned with and what is their risk profile.