Quote from @David Cherkowsky: Hi All,I purchased an investment property in the middle of last year and to this point have been using 0.75*lease value in my DTI calculation.

Does anyone have strategy recommendations for purchasing multi-family properties with zero-low downpayments?

On the flip side, I am in the process of acquiring over $1.5M in defaulted DSCR loans form borrowers who are your age that put 25% down but had no money to fix any of the problems  = lost the renters and walked from the property.

I might buy 1 property that has cash flow, another that has a great purchase price, another that has great appreciation prospects and yet another with great financing terms. 

Where is the property located.assuming the seller added the ADU and did not disclose the ADU in disclosure forms, you may have recourse (depending on the rules of your jurisdiction) but it may cost you some legal fees. 

I’m a real estate broker, Investor, and property manager in Lee County.

We use Hiscox for our insurance with our business, not sure if it works for property but its worth a try. 

I would do some online research into Realtors in your area to see if you can make a connection.As @Michael Dumler pointed out, wholesalers are going to be a more reliable source for consistent off-market properties with margin.

Quote from @Christian Mejia: We recently purchased our first investment property in Florida with the assistance of Rent to Retirement and I just wanted to say it was a smooth process.

Thank you,Phil Don’t have any experience with the mentioned mentors, but I do have 45 years experience in commercial real estate investing.Flipping (wholesaling) commercial properties require the same base of knowledge (real estate principles, real estate law and real estate finance) that is a foundational requirement for flipping residential properties; PLUS, extensive knowledge of the commercial property TYPE one is trying to engage with, and extensive knowledge of the local real estate market for the subject property type.