:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

They want the heating element to be inspected however we know it is working properly and the main heat/AC for their unit is the mini split, not the thermostat.

Some of them are close to 2021 levels as well, ofcourse this will be product dependent however in Australia the prices have gone up to the tune of 15-20% YOY since last 3 years so quite surprising.

I'd recommend looking into the "Multifamily DSCR Loan" product for anything up to 10 units - not well known yet, but has a lot of advantages in the MF nichehttps://www.biggerpockets.com/...

You might also want to explore specialized banks that focus on working with high-net-worth individuals who leverage insurance products like Merrill Lynch Private Banking or Wells Fargo’s Private Banking division.

You can call local banks typically credit unions in the area to see if they have a construction loan product.

Wholesailing in Texas is legal if done properly.

I help fund a large project out of the springs where it was bought prior to approvals but it was already properly zoned so it was just prosecuting the map under the given zoning and that still took a few years.

Get a good General Contractor, write a proper contract with proper payment milestone schedule.If you don't think you can come up with the money to finish it get out from under it and talk to your HML ASAP like @Jay Hinrichs mentioned.Happy to connect and talk through the situation more if that would help!

Ensure the property is properly zoned for your business, and consider leasing the other suites to offset costs.