I’ve been partially ham stringed investing by the fact that I can only earn about $45K/year at my W-2.

They do serious due-diligence on each student and their goals so they just aren't taking peoples hard earned money and setting them up to be disappointed and fail.

I.E. using all the equity available breaks the DTI ratio for the desired loan?

Otherwise, it would be too easy for buyers to stiff their agents after they have done work by avoiding paying the commission they earned.

You can now even earn income on your crypto with cred, blockfi, and Celsius.

I had desisted of the idea of house hacking due to the fact that most small multifamily properties are  the most desirable areas(based on my experience).

I am in the camp that anyone can be found rather easily but it's a choice of your comfort level and what your desired outcome is.  

Identifying those opportunities can lead to solid investments.Demand for Affordable Housing: The points you made about the demand for older, well-maintained properties in desirable locations are crucial.

Less desirable and by no means luxurious but not dangerous, no intensive management needed, properties unlikely to appreciate much over time but very attractive from a cash flow perspective.

This creates two loan payments ($100,000 of equity and $300,000 on the new mortgage).Key NumbersHome Equity Loan Interest Rate: 6%Mortgage Interest Rate: 7%Rental Income: $3,000 per monthExpenses (management, taxes, insurance, maintenance): $800 per monthIncome and ExpensesMonthly Rental Income: $3,000Monthly Expenses: $800Monthly Mortgage Payment: $2,000ExplanationThe investor earns $3,000 in rent each month.They pay $2,000 on the investment property mortgage and $800 on other expenses.This leaves $200 profit each month or $2,400 per year.However, you have to pay $6,000 interest on the equity borrowed.This leaves you with an annual loss of $3,600.This example shows that while the rental property generates positive monthly income, the interest cost of borrowing the initial $100,000 results in an overall annual loss.