Heck my local credit union pays 3.5% on its basic account. 

Have you tried contacting a local community bank? 

Focus on smaller single-family homes, condos with low HOA fees, or multi-family properties in these regions, and build a reliable local team of agents, property managers, and other professionals to ensure a smooth investing experience.

Learned that I needed a realtor that was local to the property location.

To find the best community bank, I would post in a local facebook group and ask which are the best local lenders to work with and ask for a specific contact.  

Similarly, if you are you a medical professional with strong connections at the local hospital, then target properties (and their owners) that would attract medical travelers.

@Paul Whitney Detroit property values increased over 20% in 2024:https://detroitmi.gov/news/detroit-home-values-increased-ave...https://www.cbsnews.com/detroit/news/detroit-home-prices-amo...https://www.detroitnews.com/story/news/local/detroit-city/20...DM us if you'd like more info...

Unfortunately.. locals will still be upset either way.

@Shiloh Lundahl It is a complex strategy but if @Tyler Garza does his homework, finds local resources, and follows the laws, it is very attainable.

    - Criminal, eviction, employment and background check- No guarantor outside of householdThanks in advance for answersGross income should be 3x rent, or whatever your locality allows, with the section 8 counted towards that income.