Always fix all water issues first before moving on to doing major repairs of a structural  nature.  

Quote from @Jamie Banks: @Jesus Jimenez Right now we are concentrated in the major cities from NY to Richmond, VA including NYC, Newark, NJ, Philadelphia, PA, etc.

I’m interested in value-add properties, but not to the extent where they’re in struggling neighborhoods, which is unfortunate because these areas are just blocks away from the major hospital.

I also got involved with a builder in Florida who has yet to produce the first of three houses they're contracted to build, which was a major hit to my available funds as well, setting me further behind.I also figured if I fell a little behind in saving (18 months instead of 12 months for example), I'd still be making progress.

There is usually a missed opportunity in most markets delivering housing products that are needed but not readily available and the Zillow data most rely upon does not tell this story.Get to know the members of a community, their needs, what steers them away from the housing that's currently available.

But there are products that go all the way down to .75+ ratio and even no ratio.

They provide real-time access to credit reports from major bureaus—Experian, TransUnion, and Equifax—without affecting the consumer's credit score.Setup Process:Application Submission: Complete a formal application through Soft Pull Solutions.Documentation: Provide necessary documents, such as proof of business operations and compliance with legal requirements.Website Review: Undergo a review of your business website to verify services and permissible purposes for pulling credit reports.Onsite Inspection: An inspection of your business premises may be conducted to ensure secure handling of credit information.This process ensures compliance with legal standards and typically takes a few days to complete.

The finished product and getting the rewards from the fruit of the labor is way down the line.

If you have a finished product, they won't move in for 60 days but your lender requires signed lease and/or move-in for refi...this will delay your refi.

Quote from @James Wise: The term "cross selling" is used when you sell related products.