I started off saving funds from my w2 as well.

I'd like to invest in Higher-end properties, but as a newbie with limited funds, I have to start somewhere!

You can also do a cash out refi with a DSCR (I'm in the process of doing that now) and reclaim some of your capital (75% LTV is what I have). 

By leveraging our financial resources alongside Ron's contributions, we were able to secure the property quickly and allocate funds efficiently for the $25,000 renovation.

But Banks only fund the very well qualified generally no way a beginner is getting bank financing unless your basically borrowing your own money. 5.

I could alternatively put that down in a index fund for S&P that gets about 8-11%.  

You bring the skills; they bring the funds—win-win.Private Money Lending: Find people (friends, family, colleagues) interested in real estate but not actively involved.

Platforms like Peerspace or Giggster can offer high payouts per booking, letting you earn with fewer ongoing responsibilities.Consider Selling: Selling could free up funds to invest in a property better suited to your goals.Each option offers unique benefits, and I’d be happy to connect you with resources to get started.

I arrived at $450K based on working backwards to what loan amount at 80% LTV could be supported based on the rents and DSCR of 1.25.

But like I said, I'm starting to see a lot of development in the worst neighborhoods in Baltimore, so either there's a lot of LIHTC funding to be had or something...