Sorry, let me clarify what I'm talking about, because it's unfathomable that a bunch of people who are supposedly into investing and finance can't get this and I feel like I must be explaining it wrong.Hypothetically, when your income comes in, you put $1000 each into three buckets:1.

Section the circle off into buckets - label them "real estate", "Stocks", "Bonds", "Cash", Alternatives, etc.- Look at the allocation and make some assumptions about cash flow and growth. - Iterate on at least 3-5 more sheets of paper until it feels right. - Back everything about your financial plan into that end state. - NOW, run your draft plan by a CFP or three. 

And yes, many landlords do operate this way but itś primarily responsible for why we are all so hated and placed in the same bucket.

And most DSCR Lenders still are limited at a maximum of four units and don’t carry this option.11+ Units: For investors that are looking at multifamily investment properties with 11 units or more – then the loan options are going to look very different than the two other buckets (2-4 units or 5-10).

I think the thing that is being missed here is the Profit First method of allocating revenue to different “buckets” there are banks that do this automatically for you, whereas, with a traditional bank you would manually have to do this.

Typically the couple different buckets of lenders I see here in Chicago are:  Residential, commercial, and hard money.Each lender will have specific client types they work with...they all want referrals that are willing and able to buy!

And most DSCR Lenders still are limited at a maximum of four units and don’t carry this option.11+ Units: For investors that are looking at multifamily investment properties with 11 units or more – then the loan options are going to look very different than the two other buckets (2-4 units or 5-10).

It can be hard to lump them all together, but here are some of the general buckets I have seen, and companies that fit into them.

Just think about it as income buckets.

For multifamily, generally unit count bucket is going to determine your financing options, the three general cutoffs are:2-4 Unit5-10 Unit11+ Units