When I got to the townhome, it discovered a mess.

Thank you  For DSCR Loans you are going to need to be 20% down minimum, however if you can qualify with conventional or maybe some local financial institutions (or go true private money), you may be able to find a higher leverage option

Whenever I finance small commercial properties, I contact local institutions.

Some of our students have discovered that they would agree with you in that they like to physically touch, see, and feel their investment, and are ok with owning just a couple of units.

Discovering the concept of house hacking ignited a passion within me, prompting deep dives into podcasts and books on the subject.Currently in the NACA process since June 2023, I anticipate viewing properties by March.

*I do not wish to trick my employer or any financial institution, I simply want to take advantage of the 5% multifamily down-payment and flexibility of my corporate job.

I hope you're all doing well.Here's my story in a nutshell:I've been passionate about real estate for years, even before discovering BP in 2020. 

For example, I lived in the past in Arizona, so when I do my taxes I print 2 copies, and send one copy to the IRS (the Feds) and the second copy to the local IRS (the Arizona IRS, which is called Arizona Department of Revenue, if I remember correctly)Since I moved to Florida last year, my understanding I dont have to send anything to the Florida IRS (if there is an institution like that), I should only send a copy to the IRS (the Feds), correct?

But from personal experience, most institutional lenders and hard money lenders require wet signed documents (RON is not accepted).

Must keep it in a separate interest-bearing account in a California financial institution.