Full on high end rehab with custom finishes top to bottom.

so what really happened is unrealized HTM loss doesn't need to be recorded in the book so they dont have to sell it EXCEPT if there's massive withdraw from customer AKA bank runs.It's the bank run that causing the bank to collapse.So in theory you can avoid issue by saving the money that has the smaller holding of HTM paper or invest in the bank where there're more incoming asset coming-in.

If you're working with an agent, be super clear about the difference between your maximum and your ideal property cost and what those levels mean for you and it'll get you started on the right foot.It sounds like you have a decent idea of what kind of property you want to buy (a 4-plex).

Than this thing about the exclusive buyer agreement to me is great, and I don’t just say that from an agents prospective, people should be able to see in plain terms what services that can expect for what price and decide if that service is worth that to them, just like every other business, problem before is because seller was paying for buyers services it was opaque, now it will be written out in plain terms for everyone to see, the main result of this lawsuit was to put agents more in line with every other service business in America and increase the number of options for consumers, some agents might be paid more some will definitely get less, I think overall average commission’s come down, but again that’s how every other business operates people compete on price compete on service compete on relationships (I can get a better price with some subs because I’m a repeat customer who pays on time and is easy to deal with for instance) and than consumers can decide who that want to go with and once they decide to have that person working for them of course that person deserves to get paid for the time they put in.

It was the ideal time for short term rentals to open back up coming out of 2020.

Having to go back and forth to the property 5 or 6 times for things that could have been handled at the same time is rather annoying and that's not counting the fact the realtors have other appointments to get too or could have worked on other deals while the lender did what they were normally supposed to do etc.In my case I had an ideal deal that fit even their own requirement's, hence why I wanted to go with it.

Unlike traditional loans, DSCR loans focus on the property’s income rather than your personal DTI, making them ideal for investors with multiple properties.

Its also an ideal forum to talk in depth with other seasoned pro's to avoid lost time and money.  

The ideal situation would be to live in a duplex and rent out the other unit.

Would need to provide year end statements and ideally a way to import prior history in (avoiding re-inputting of the historical data).