We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

I’ve been paying it on my own for 3 years, since the loan was started.   

There's a reason that people try to buy properties off-market and that is because you can find sellers who care more about terms than maximizing returns.So start with a conversation: you already presumably have some rapport since it's your landlord and you've spoken before.

Major league franchise and we're building a new arena.

Quote from @Argel Algura: Hey Bigger Pockets Community,A year ago I wrote about rebuilding and starting over in life and considering real estate investing as a path (see post here: "Bad credit, minimal cash and starting over in life . . .

However, they didn't insulate that building well so in winter residents consistently get heating bills over $200/mo. 

@Darrius LloydTo start your house hacking journey, research neighborhoods with potential for multifamily properties and balance affordability with tenant quality.

Hey Nicholas, Building your team will be crucial.

Locking it in for $33K when the ARV is between $103K and $117K is an incredible start.

You might also explore BRRRR to build long-term wealth while recycling capital.