Agree Google nmls - funny on Facebook where 99% of private lending groups that are public are scam artists you get the "well license isn't required"I reply to this noting that while you are correct in some states - chances of a scammer with a nmls license are less than 1% while those without is 99% on sociale media 

I am considering a 12 unit multifamily property in my home market of Harrisburg, PA. 

@Cole Starin sometimes it makes sense to sell the WORST property in your portfolio.Another option is why do a LOC on the duplex, when you could just do a $100k cashout refi to pay off all your debt AND keep the property?

If you don't have the extra cash, can you get creative with a private lender or partner stacked on bank debt? 

Campus housing has been under tremendous headwinds for the last 4 years.These properties were sold with extremely aggressively optimistic projections, as well as a price that represented a significant premium to fair market value.So sorry to hear about your investment.

I financed the acquisition of the land with personal and private money.

You could put seller financing on second position and get financing for the first and do a 90% CLTV.I don't think any lender (unless private) will let you put nothing down.

I came across a question for our Rookie Reply podcast episode asking about property management software.

Quote from @Benjamin Sanders: Hi all,My wife and I made a last-minute offer on a rental property in New Albany that is in a flood plain.

A high property tax rate will increase the taxes more quickly as a percentage of total expenses when the property value increases.