If you can't get higher, look to a partner that has more experience than you or someone with net worth that will make the bank feel more comfortable about a higher LTV.

It is up to what the lender/investor feels comfortable with.

I’ve been watching a lot of the videos and starting to feel more comfortable with taking the leap.

I'm definitely the "play it safe" type, which is why the buy-and-hold strategy appeals to me, and because this is all new to me I want to "start off slow", but I am open to hearing thoughts on other options I could consider as well.Put simply, if you were in my shoes, what would you do with that capital and now with one property under your name (if buy-and-hold is the most appealing strategy to you)?

I'm SO GLAD I took the risk, walked through my FEARS & pushed out of my comfort zone!

Speed and flexibility tend to go with the ability to do deals well, but I think making sure that they are a lender comfortable and efficient doing the basics of the deal will help.

Unless you're on the beach, i'd avoid the flip flops and board shorts, but Also I think most people get defenisve or put off by suits when they are knocking on someones door, so Business Casual, collard shirt if that is something you'd wear or a Clean- Non Graphic T (unless you had your own made), clean cut dark denim jeans -- and some clean shoes. 

This way, others can participate at their own comfort level and enjoy the community’s shared experiences without feeling pressured.

The property is equipped with modern amenities including forced air heating and central air conditioning, ensuring year-round comfort for tenants.

I remain highly leveraged and am comfortable there and am comfortable recommending it to others.