@Cheryl BologneseYes works better, can get and have for many years, 9.5% on the paper I carry.

Quote from @Carrie Matuga: @Namal Burman San Diego is one of the top House hacking markets, if that is an options for you, it might be worth looking into.Can you please elaborate on Housing Hacking strategy you are referring to?

Granny's Happy House; Laughter Lane; Sunnyside Up; Golden Gardens... paint a sign for it and carry the theme, a mission statement... 

They also are interest only and carry rates from 9-12% on average, with most hard money loans between 10.99-12% at the moment.

I love that have your mind set on MF but there is no need to go through the headache of zoning, permits, rehab, rehab timeline, carrying costs while you're rehabbing and don't have tenants in there. 

Roofs usually carry no increase on value.  

owner carry How did you add value to the deal?

It's reassuring to realize I'm on the right track, and even more so, to be part of a nurturing community where forming connections with investors and gaining insights from seasoned experts like you is highly valued.

Of the 15%/25% injection, 10% has to come from the owners and the other 5%/15% or more can come from a seller carry.

How effectively the duties of property management are carried out (whether by you or someone else), can easily be the one factor to make or break deals!