The most recent pay stub from my fiancé's previous job, which he left in June 2024 (he started a new job in August 2024 and provided the last two months of income).2.

For some of my homeowners - I provide them with several options 1. 

I wish I could say that I'm venturing into real estate investing for some benevolent purpose like providing low-income housing for the needy... but financial gain is certainly my angle lol.

Hi Jerry, BP and local Facebook groups are a great resource for meeting local agents, investors, and lenders who can provide some solid insight into the markets you're interested in.

In addition to refinancing, DSCR loans, and cash-out options, we now provide our services for all property types, not just those from NetWorth.

However, can you provide more information/details regarding your first townhome deal in Gainesville, especially the numbers?

Perhaps some time will provide clarity in one direction or the other. 

My advice without even hesitating, I wouldn't rent anything that doesn't cash flow and provide a good cash-on-cash return out the gate.

The only other options I can see are A) your mom partnering with you rather then selling the property to you - you become 50% owner and bring the funds and management to the rental while she provides the existing equity as her contribution; or B) your mom lending you the rehab cash out of her personal funds while also seller financing the house to you. 

Here’s how to find a broker you can trust:Ask for Referrals: Reach out to fellow investors or real estate agents for recommendations.Check Credentials: Look for brokers who are licensed and members of professional organizations, such as the National Association of Mortgage Brokers (NAMB).Review Their Track Record: Ask about their experience with real estate investment loans and request client testimonials.Interview Multiple Brokers: Prepare questions about their lender network, fees, and typical loan turnaround times.Evaluate Their Communication: Choose someone who listens to your needs and provides clear, honest advice.4.