And eXp offers health care... and you can do business in any market throughout the US and in 27 countries while collaborating with and gaining support from over 90,000 agents Worldwide... 

The path of your comments lead me to conclude you are one of those people looking for stuff to be offended by.  

Nearly a third of the city's population lives below the poverty line, one of the highest poverty rates in the country.

I'm unsure what the right path is, but I've been reading about investing in owner-occupied, multi-family properties.

Once you do that, then you start to figure out the best path.

That path has some success stories, but also many horror stories. 

Gurus get their leads for deals in bulk by partnering up with lots of students all over the country.  

Based on what you've shared, I can definitely relate to your goals, as I specialize in helping investors like you scale their portfolios with strategically selected properties.Financing & Expansion Options:Given your current financials, here are a few paths you could consider:HELOC or Cash-Out Refinance: Tapping into the equity of your current property could give you the liquidity needed to acquire more rentals.

Then nothing in this country is ever going to cash flow.

I'm trying to clear something up with the LLC refinancing option.So when I buy the home in Cash, I can settle as normal and then the next day(s) I should go to the country courthouse to file the LLC deed for the loan and once that is successfully recorded I'll be able to refinance out?