Also, explain how you'll share the acquisition costs, such as the down payment, renovation, and closing costs.Payment Responsibilities: Explain how to divide and pay for regular costs like mortgage, property taxes, insurance, homeowners association fees (if applicable), and upkeep expenses.Management and Maintenance: Agree on how property maintenance, repairs, and improvements will be handled, including decision-making processes, funding for these activities, and responsibilities for performing or managing the work.Single Decision Point: For example, I've seen situations where one person agreed to replace an appliance while another strongly opposed it.

It’s a landlord-friendly market with strong population and job growth, making it attractive for investors.

Your instinct not to reply is valid, especially since you already have a strong base of positive reviews.

Flipping can be thrilling but comes with a steep learning curve.Investment Strategies for Beginners: Look for markets with strong rental demand and low entry costs.

Those that have conservative debt, liquidity, and are strong operators - will capitalize. that is playing out in the MF syndication world big time right now.

Sell: If the area is good for short-term rentals, holding the property could generate strong cash flow, especially with no mortgage.

If you have strong ties to Cleveland, and know it really well, and have a killer MTR PM picked out... that's great!  

As a 40-year-old Australian investor, I've built a strong real estate portfolio focused on the local market.

This project demonstrated the power of smart improvements and teamwork, delivering a strong return on investment.

I would strongly recommend looking at the BiggerPockets lender finder since all those lenders are familiar with the investor mindset even if this is for a primary residence :)https://www.biggerpockets.com/business/finder/lenders