Like choosing to pay for your own materials, or paying when certain milestones are hit.

Get rid of all units that don’t fit that mold.  

Investing $135k in Upstate NY, particularly in Greene & Albany Counties, offers a range of possibilities depending on your goals and risk tolerance.If you’re looking for steady cash flow and long-term growth, single-family rentals in strong rental markets might be a good fit.

also tough to find, and not a fit for everyone.with that said... i have to ask you about the property you're looking at. 

Since there's a chance I might move away in about 3-4 years, I want to make sure I can rent it out later and cover all my expenses with the rental income.Can anyone recommend areas in downtown Chicago that would fit my criteria and might appreciate a bit over time?

You have to look at this like your fitness journey.

This is a very broad question but to give a general answer, the reason why they exist is to finance properties that won't fit the typical bank credit box.

With your remote work flexibility and strong income, investing in a market like Indianapolis could help you expand your portfolio more sustainably without needing to save up a massive down payment for each new property.If that sounds interesting, feel free to shoot me a message—I’d be happy to share more about what I’m working on in Indy and see if it might be a good fit for your goals

Good work setting up your own service tailor made to fit your specific needs.

I'd suggest reaching out them and making sure they are a good fit.