My base income is ~$95k per year.

There are many HMLs that will finance new construction, but much of it is based on your experience, credit score, and the expected sale price.

.✅ Do your research to learn what is realistic.Spend time really considering what type of business is going to be the best fit for you based on your experience and how you want to spend your time once you are the owner.

I'm more than happy to take a look at the adress and give a Rental estimate based off the current Market if you'd like, just send me a PM!

When it comes to finding properties, AI tools like PropStream and DealMachine automate searches for investment opportunities based on specific criteria. 

How are you paid and are those distributions underlying property performance based?   

So, we bought the property 2 years ago, based on the valuation of the property considering income from 6 units.The sale deeds (from 2018- 3 sales) I could get from the City and the property tax statements (2023,2024) show that the property is zoned as 411 (apartments).

In many cases - properties sell for MORE if there is a vacant unit (especially if it's ready to rent) as you can market the property based off market rents as opposed to lower, inplace actual rents. 

With no credit score the interest rate would be based on the lowest credit bucket.

The fees and overall costs of these loans needs to be a key factor including what if the project goes over time . . . . you can be underwater in no time.Underestimating repair costs and overestimating ARVs based on Zestimates are the next stumbling block.There's money to be made but make sure numbers all work WITH contingencies defined and overages expected . . . remember, a project will always cost more and take longer than initially thought!