Rented it out for three years before I moved into It.

If you have three people renting together, combine their incomes into one to see if it meets the 3x requirement.However, nothing is that easy.

I believe in putting in the work—1,000 hours of research, testing, and learning—before offering advice, and I’m excited to tap into the collective wisdom of this community to refine my approach.Here’s where my head is at: I’m considering strategies like short-term rentals (Airbnb) for higher cash flow, long-term rentals for steady income, or even creative options like house hacking or partnerships to stretch the funds further.

I live in Charlotte and would prefer a multi-family investment property that is within a 3-4 hour drive so I'm considering areas that include: Charlotte, Raleigh / Research Triangle, Charleston, and Atlanta.

Youre right, but if you are doing the work yourself it can be daunting because the buck stops with you and having that responsibility on your plate 24/7 every waking hour of the day and putting in 12 hour days, it can be rough.

Three and four units properties tend to be slightly more investor facing, but there are still a lot of regular buyers that pick up three and four units as well.

My secret is I use the one-hour window to allow cancellation.

Usually there's a lockup period (often three years) in note funds, so you can't use that cash to do direct note investing.  

Long story short, his crew blasted through the job in a few hours and the clearance test failed.

I am an investor just about an hour north in Sheboygan.