Are there any city or lender required repairs that will require an immediate injection of capital?

Are you a Broker or Lender?

Financing as a non-US citizen might be a challenge, but it’s not impossible—I’d recommend reaching out to lenders experienced with foreign investors early in your journey.A few general tips:1.

I highly suggest you use our marketplaces to find trusted, investor-friendly team members: Tax Pro finder: https://www.biggerpockets.com/business/finder/tax-and-financ...Lender finder: https://www.biggerpockets.com/business/finder/lendersProperty manager finder (if you go that route and don't self manage): https://www.biggerpockets.com/business/finder/property-manag...

The 9-5 income can also be a bridge for you that lenders like to see to help you with your first acquisition. 

When you go to sell, Montvale requires a certificate of occupancy so this issue has to be resolved in advance of a sale.Although I am not a lender, I assume you will not be approved for an owner-occupied mortgage on 5-units if it is a legal 4-unit without some type of mortgage fraud whether in reported rents, units, or another legal document or representation (very very large issue from a legal perspective with multiple arrests in the last year for anyone playing fast and loose).As far as the DCA, I would recommend coordinating your work with the city with the DCA.

Looked around the site, I only see lenders, property managers, agents, brokers, etc. but not developers?

They will show the property, send applications, review them, and review the applicants with you, and draft a lease and any necessary local docs needed for rentals. 

Lenders have been accommodative for the last couple of years because they were facing a declining market with no buyers. 

With actual cash, you just transfer it. yes, but you can still bid with lender approval - without appraisal contingency - you send in deal (app), it gets approved by lender its functionally the same as cash (except in true lightning speed situations where there is a quick auction with little time to prep but thats generally pretty rare I'd think)Right, but that's not cash or functionally the same as cash because the lender can change the terms at the last minute, as often happens with less experienced hard money lenders.