Generally we raise capital from investors who want a fixed income and have enough meat on the bone to keep all the equity in the deals and push the valuation and also obtain commercial financing where we can get 75-80% LTV financing and still maintain a DSCR of 1.2+2.) 

Passive income.

You can also leverage stable income for creative financing and explore BRRRR in markets like Rochester to build equity and cash flow.

Have two years of W2 income, RE goals, and start talking to lenders about getting pre-approved.

Investors focus on adding Accessory Dwelling Units (ADUs) to increase income streams.

We are a growing market with low unemployment but you will see a lot of the rental income going to covering expenses and setting aside reserves. 

Keep in mind all these markets are very different than the Cambridge area in terms of tenant base, household income, transit, etc.Happy to connect if you'd like to chat more!

Bank of America does this - not sure about the minimums, but if you have a good relationship with your local branch, they can waive the monthly fees until your balance grows from rental income.

We offer it at TFSB but it does require the basics like qualified credit score, DTI ratios - Must have W2 or (2 years of 1099 income) to qualify.

Moving out of a state with income tax to a state without before selling, saving 10% or more in taxes.