On this product you will need a minimal of a 15-20% down payment.  

My primary question is: Should I focus on buying a multifamily property and growing slowly to build a stable financial foundation, even though my area would have minimal cash flow and be more of an appreciation play?

To find a partner or not get pitched and streamline what you want, you must tighten up your buy box and take advantage of your VA opportunity.

At minimal the personal loan would be incorporated into your debt to income ratio when you apply for the financing on the purchase if you were trying to qualify on a full documentation loan. 

They undergo regular training and stay updated with industry trends, laws, and best practices, ensuring high-quality service.Access to ResourcesNARPM provides its members with educational programs, legal updates, and networking opportunities, enabling property managers to handle any situation effectively and offer informed advice.Efficient Tenant ManagementNARPM property managers excel in tenant relations, from screening and lease agreements to conflict resolution and evictions, ensuring stable rental income and minimized vacancies.Legal ComplianceNARPM property managers are knowledgeable about landlord-tenant laws and regulations, ensuring compliance and protecting you from legal issues.Maintenance and RepairsNARPM managers have reliable contractor relationships, ensuring timely and cost-effective maintenance and repairs, along with regular property inspections.Time and Stress ManagementBy hiring a NARPM member, you delegate daily management tasks to a professional, saving time and reducing stress.Financial ManagementNARPM property managers handle rent collection, accounting, and financial reporting, providing detailed and accurate financial statements for informed decision-making.Marketing and Leasing ExpertiseNARPM managers use proven marketing techniques and platforms to attract and retain tenants, ensuring quick rentals at optimal rates.ConclusionChoosing a property manager is crucial for any landlord.

So $11,222 times 22% is $2,468 - leaving you a true profit on the house of $8,754 for an all encompassing 6 month intensive project that you will likely feel lucky to get out of with that profit, because you did your very best to minimize expenses along the way.How do you quantify this number?  

The goal is to maximize wealth, not minimize interest payments.

It comes from building relationships with anyone who doesn't hang up on you.What's your pitch to them? 

With a purchase price of $62,000 and a sale price of $86,000, the property promised substantial returns with minimal risk.

The reason I'm investing in Toledo is because I know the area, have some friends and family there to help if needed and the cost of entry is minimal.