Sent a DM if you'd like assistance

FHA loans with low down payments are ideal for this.In the meantime, focus on improving your credit score and maintaining a solid financial foundation.

Some people don't have financial situation, nor have the bookkeeping to track or maintain it.Again, I personally find it very stressful just thinking about living that way for the life of the loan keeping the lowest daily balance possible. 

Google Forms are nice to input cash transactions directly into spreadsheet, to get applications from tenants, to ask virtual assistants to enter data.

Also, my insurance company said it would be the same rate regardless which option I go with.or do I stick with the cheapest option upfront like a shingle roofObviously the upfront cost/future cash flow will be hurt the most by the standing seam steal roof (although it could assist in resale value)Does anyone have experience on roofing or an opinion which is most ideal for this scenario?

Hi @James Heller I am fully renovating 2 of my units on a 4plex I have in Golden Hill...feel free to reach out and send me a private message if you need assistance and contacts....You can get cabinets and prefab quartz countertops pretty inexpensive and refacing is usually more expensive, I've found.  

It's a bit cumbersome, you have to maintain strict financial separation, and because the loans have to be non-recourse, your LTV is lower.

To address this, request documentation, update the lease, address rent payment, consult an attorney, and maintain a positive tenant relationship by communicating clearly.

They offer data migration assistance for when you switch to their system, as well.

Besides what you've mentioned, here are a few additional common expenses to consider:Landscaping (especially if there’s grass or common outdoor areas)Pest control (sometimes needed for multi-family properties)Legal/accounting fees (for lease updates, tax filing, etc.)Vacancy reserves (for covering costs during turnover)I can assist in helping you find funding, LMK!