I started with a duplex and moved up to larger units from there. 

In my market (South Texas) the property taxes and property insurance is having a severe impact on the smaller owners, who do not have 30 year financing along with the housing assistance components, are in a dark place and they will naturally expect the (us) property managers to work like dogs and squeeze blood out of turnips for the cash flow. 

My first rationale is the smaller homes will attract the type of tenet I’d prefer compared to the larger home I currently own which would be larger families.

That said, I have an 18-unit that would be a great addition but I'd like to bridge it until the larger refinance and then include it as part of said refinance.  

I'm looking to buy a home now but larger banks such as NFCU seem to want tax returns that show lower DTI numbers, which is causing me issues as the accountant provided substantial writeoffs on my returns. 

. $425k) to purchase a 12-unit Apartment ($1.5M) with 25% down ($375k from the HELOC).The remaining $50k from the HELOC could go into fixing/rehab of the 12-units.Then cash-refinance the larger amount from the 12-units to pay off the HELOC in one lump-sum (as much as possible), then using the cash flow from the apartment to pay off the rest of the HELOC.Repeat the process with a new apartment.1) Does this make sense? 

So we are looking at purchasing a home (new primary residence) but we will be leasing back to the current owner for 120-150 days as the current build they are working on is being finished.I was told if I apply for a mortgage and disclose that it will not be my primary residence outside of 60 days from the point of contract that it will require a larger down payment and a higher interest rate.

If you can't find anyone on here or at meetups, connect with some investor friendly agents in the area or larger area.

Additionally, Parma's proximity to Cleveland enhances its appeal, offering easy access to urban amenities and employment opportunities without the higher living costs associated with larger cities.

If it's a larger organization, feel free to inquire about their staff qualifications.2.