After all PITI, utility, and services (lawncare and cleaning) costs I have $7,225.I set aside 25% of this for my maintenance fund.The remainder funds my lifestyle, wife has a Tesla, and quarterly vacations as well as business growth.In 2023 I am tracking to build 4 duplex units designed as room rentals funded in part from a recent land sale.

The tenants may even appreciate the service.

You'd be borrowing a slightly higher amount but your monthly debt service could drop by a few $100s. i.e.

Given your need to avoid personal guarantees and collateral, consider the following institutions:KeyBank: Headquartered in Cleveland, KeyBank offers a range of commercial banking services and has experience with international clients.

Builders, house flippers, brokers, etc.Unfortunately, banking and finance services and certain architect and engineering services don't qualify.

You provide a service (offer), you find people who need to buy your service (leads), you need to close them in order to get their business.

I wouldn't have any issues with someone using LegalZoom or similar services.

Though, the HVAC has reached its life expectancy per inspection report - It was recommended that it gets serviced and clean.

So if someone tells you, it does not matter about liens behind you - it does.There’s one more ; the borrower has increased debt service and when it either turns negative or leaves nothing “in their pocket” they may lose interest in the property, decide to stop paying all mortgages, and put whatever income they can into their pocket until they lose the property to foreclosure or one of the lenders obtains a court order prohibiting such.   

However, some investors see potential in these markets because of low entry costs, steady military demand for housing, and decent cash flow from rentals, especially if the area has stable, government-backed tenants like service members.