What I am looking for is if there is creative way of raising sufficient capital (institutional?)...

https://www.biggerpockets.com/forums/12-starting-o...To reiterate what I wrote there:- "As long as you've accumulated sufficient equity, and your DTI ratio is fine with your Lender, using HELOCs as deposits (and starting new mortgages for the rest) is probably the best/easiest way to keep buying real estate - using NONE of your own money!

Before the regulations I went by number of "sleeping spaces."

This is one in which the issuer (or a person acting on its behalf) has sufficient information to evaluate, and does, in fact, evaluate, a prospective offeree’s financial circumstances and sophistication, in determining his or her status as an accredited or sophisticated investor.

@Jonny MorrisNo problem, I ran into the same thing before with my better half haha ;)  I'm a bit more aggressive with investing than she is, so she will often try to pull in the reigns and I'm always pushing as far and fast as I can go without "sleeping on the couch" lol.  

I suspect its because one bedroom is small, but to most students that didn't matter, as it is more than sufficient for a full size bed and a desk.

I sleep well knowing I have enough reserves for when, not if Murphy's law rears its ugly head. 

Occupancy standards should be based on the sleeping area, not the closet or bathroom.

Because most of the people that are purchasing condos here are using them as second homes, they care way more about the number of people they can sleep in a unit than they do about the quality of the construction, appliances, etc. 

It is self sufficient for now and has appreciated quite nicely.