My point is certain things are learned with experience and 1) acting as GC once does not provide an opportunity to leverage the experience 2) mistakes can be costly.good luckHi Dan,thank you.

Some strategies to get around are:1. leverage your current portfolio and buy in cash, increase value, and then refi2. buy Multi-family so your ratios aren't the main factor to lenders3. get in with a lender for high net worth individuals4.

You've earned $132,000 more by splitting your money and leveraging it.There are other benefits to leveraged homes.

I've had a long career in community development and have a lot of bank contacts that would likely be interested in investing, but I'd need to prove the concept first with an initial fund (there are also a lot of other community development tools that could be leveraged to maximize and scale this).

She has expressed strong interest in managing the property and is very organized, which complements my more scattered approach to things.

It is possible that over time, Google ranking metrics recognize the uniqueness of your key words, and you move up in the rankings organically (without a cost to you), so that you can be found easily on Google searches for your location.  

For multifamily, leverages won't be as much until you have some experience not only with 1-4 units but also 5+ units. 

That being said the main issue with leverage is being over leveraged.

Leverage the Power of LLCsEstablishing a Limited Liability Company (LLC) for your real estate investments can offer both legal protection and tax benefits.

I find DSCR most lenders are 8 to even 9% for max leverage on 5+ right now.