I am based in OC if anyone has recommendations on advisers Real estate, financial, meet ups, anything really.

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Hi @Alberto Freites, @Malgorzata Sadowska has helped quite a few BiggerPockets members house-hack here in the Miami Florida area and will be a valuable asset to your team!

It doesn't make financial sense to try to rent out a 1BR MH, especially when they have to pay lot rent on top of that.

If I am correct (sorry if I have that wrong), there isn't a big win in it for anyone, even an underperforming asset, to help someone get some experience on their listing.

For something more robust, tools like Excel or online calculators from financial planning sites might better suit your needs.Your ROI Formula:ROI = (Net Cash Flow ÷ Total Out-of-Pocket Investment) × 100For your scenario:Net Cash Flow = Annual Rental Income - (Mortgage Payment + 401k Loan Payment + Other Expenses)Total Out-of-Pocket Investment = $40,000 cash + $50,000 loan payments over 5 years.I came across a piece in Bloomberg recently discussing creative financing, and they touched on ROI calculations for multiple loans.Personal anecdote: A buddy of mine leveraged a 401k loan for a fourplex.

@Feroz Penangwala I’ve slowed some due to financial constraints.

Some lenders do have minimum credit scores to access these loan types, but it is the exact same qualifications for income and assets as non renovation loans. 

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

They have the financial wherewithal to purchase a hope (and most do).