You can also check out groups like the National Alliance for Recovery Residences (NARR), which might have some leads for you.Another option is to talk to property managers who specialize in group homes or sober living.

You say multifamily isn’t common around you - have you actually looked it talked to a realtor?

It was hard for me but my wife talked me into taking a bit of a break. 

When you prove yourself as a closer, people know.When you focus on building relationships in the area you are investing and talking to people without an ask, things come to you.

•If you can, raise rents or find ways to increase the property’s income before applying again.Have you already tried talking to multiple banks, or is this feedback from just one?

Talked to my closing attorney and he’s on it. 

I’d like to talk with anyone who has dealt with these kinds of loans before.

You mentioned buying a fixer upper with your HELOC and now are talking about a 20% down payment.

I also talked to the city.

Prohibiting guests from using local lakes is crazy talk to me.