Not saying this is best option but if you took out conventional loan at 6.5% and earned 12% you passively made 5.5% on money that is currently not optimized in your home.  

Here's how to get started and advice on each area:Section 8 Rentals:Education: Learn about the Section 8 program, including eligibility requirements and benefits for landlords.Networking: Connect with local landlords who have experience with Section 8 rentals for practical advice and insights.Property Selection: Look for properties in Raleigh, NC, and surrounding areas that meet Section 8 housing standards and have potential for rental income.BRRR Method (Buy, Rehab, Rent, Refinance):Research: Study the BRRR method to understand how to find undervalued properties, finance renovations, and refinance to pull out equity.Partnerships: Consider partnering with contractors, lenders, and real estate agents experienced in BRRR to streamline the process.Market Analysis: Analyze local market conditions to identify neighborhoods with potential for property value appreciation and rental demand.Airbnb Properties:Regulations: Familiarize yourself with local regulations and zoning laws governing short-term rentals in Raleigh, NC.Property Preparation: Prepare properties to meet Airbnb standards, including furnishing, amenities, and guest experience.Marketing: Develop a marketing strategy to attract Airbnb guests, leveraging platforms like Airbnb and optimizing property listings.Overall Strategy:Continuous Learning: Stay updated with industry trends, attend local real estate meetups, and consider joining real estate investor groups.Financial Management: Manage your LLC, Opal Capital Holdings, effectively to track expenses, income, and tax obligations.Long-Term Goals: Keep your multifamily apartment goal in mind, and progressively scale your real estate portfolio based on experience and market opportunities.If you would like some help getting started, or just want to discuss please feel free to reach out to me directly.

I am relaunching a Carrot site and want to invest in some SEO optimization. 

Collection services usually want 50% of what they collect.

You can turn it over to collections and maybe get some of that money back.

Forced appreciation: New paint job for the exterior of both units performed in 2024, Rents raised to market rents in 2024Pain points: Collection of the tenant portion on time has been an issue.

You can hire an operator to manage the sampling, sludge collection, and forms to file quarterly, for around 4-600/mo (again depending on size). 

Once you have all the evidence gathered, submit the tenant to collections and maybe you'll get some of it back, but don't count on it.

But recently they switched their payment provider from Dwalla to Stripe and Stripe started charging $1.50 for each ACH deposit for rent collection.

Essentially, I'm not concerned about saturation levels, as nowhere in the world is everyone doing it in the most optimized way, with the top performing properties.