I believe you misunderstood your lender or they need to take some continuing education classes.

In our opinion, 523 is a Class D Tenant Score. 

The prices are more closely tied to the income they generate vs what the people next door paid for their house.As for your long term goals, I am not sure starting with a duplex or four plex will open the door for owning in that asset class (larger multifamily) the way you might think it would.

What if.....Question is what is your money doing for oyu right now and do you feel you can make more in real estate than another asset class - that is the question you should be asking yourself not what is going to be this or that as its impossible to time the market.

I wouldn’t be with him now if he was any type of scoundrel because I want a peaceful life haha"The records looks like below (total 4 with same date but different case numbers and details)Case detailsCase number: D-1-DC-19-202027State: TXCategory: Criminal/trafficSource: TX Department of Public SafetyJurisdiction: AustinOffense details #1Type: Felony state jail felonyDescription: Poss cs pg 2 < 1g (attempt to commit)Offense date: 03/23/2019Offense code: 35990020Suspended sentence: tx2270000Disposition: Convicted - lesser chargeDisposition date: 08/26/2019NCIC code: 3599Court: TX227075J - 147Th District Court Austin=========================================================Offense details #2Type: Felony state jail felonyDescription: Att/Pocs pg 2 <1g (attempt to commit)Offense date: 03/23/2019Offense code: 35990020Suspended sentence: tx2270000Disposition: Convicted - lesser chargeDisposition date: 08/26/2019NCIC code: 3599Court: TX227075J - 147Th District Court Austin=========================================================Case detailsCase number: C-1-CR-19-203552State: TXCategory: Criminal/trafficSource: TX Department of Public SafetyJurisdiction: TravisOffense detailsType: Misdemeanor class aDescription: Unl carrying weaponOffense date: 03/23/2019Offense code: 52030027Suspended sentence: tx2270000Disposition: ConvictedDisposition date: 08/26/2019NCIC code: 5203Court: TX227173J - Travis County Court at Law 9=========================================================Case detailsCase number: 19-1919-K26State: TXCategory: Criminal/trafficSource: TX Department of Public SafetyJurisdiction: WilliamsonOffense detailsType: Felony 3rd degreeDescription: Deadly conduct disch firearm indiv(s)Offense date: 08/29/2019Offense code: 52130005Suspended sentence: tx236065cDisposition: ConvictedDisposition date: 05/05/2021NCIC code: 5213Court: TX246015J - 26Th District Court======================================Case detailsCase number: 19-0832-K26State: TXCategory: Criminal/trafficSource: TX Department of Public SafetyJurisdiction: WilliamsonOffense detailsType: Felony 2nd degreeDescription: Agg asslt w/Deadly weaponOffense date: 03/23/2019Offense code: 13150005Suspended sentence: tx236065cDisposition: ConvictedDisposition date: 05/05/2021NCIC code: 1315Court: TX246015J - 26Th District Court

Multifamily is the only CRE asset class where the government actively subsidizes the cost of capital via "the agencies" (Freddie / Fannie / HUD). 

View reportThis property was listed $320KDuplex with basement and 3 car garage in a Class B neighborhood .

There are also REIA groups in nearly all major metros.Conferences: The Biggerpockets conference and/or the Best Ever Conference are two good ones that will let you meet investors of all shapes and sizes, from syndicators to LPs to direct owners in nearly all asset classes, from SFRs to Airbnbs to apartments and retail, industrial, RV parks, etc.

One of the best parts of the real estate asset class is that it is a hard asset.

To add: you have a historically strong and consistent tourism presence, limited land/STR allowable areas, highly liquid property compared to selling a cabin in the woods, all 9 classes of visitors in the STR sector, and appreciation.