Ratios Greater than 1.0 are preferred by most lenders.

Partnerships are really only worthwhile for anyone at 50-50 unless it's a syndication or group deal.

Hello Ilya,Where are you looking at purchasing your 1st property.When converting a property from a single family to a multi family, you will need to check on the zoning requirements, depending on your location, not every location has zoning.As far as lending goes, it is far easier to finance a single family up to a quadplex, than financing 5 plus units, the DSCR Market for 5+ units is extremely low right now, and there are few if any lenders in that space.For financing 1-4 units, there are Millions of dollars chasing those loans, so you can easily obtain long term financing, at rates between 5-7%.Please reach out if you have a property identified, and I can help you with financing options.

Happy to connect on any lending questions!

They lend up to 75% LTV for rentals, which is also very good.  

But like I said its only a handful of folks I would trust to be my clients for this type of activity far more risky than vanilla lending.

People who are active real property investors, or work at careers in the industry, will occasionally come across a deal that lends itself to making a quick fee by flipping or wholesaling the deal to another buyer.  

Go to Etsy and search for "rental property tracker," and you will find hundreds of nice spreadsheets to track 10-20 rentals, usually for under $10.Software has extremely helpful features like online payments, marketing syndication (click a button, and your property is advertised on multiple sites), electronic document review/signing, maintenance tracking, and owner reports.

Yes, your standard mortgage rates are dropping, but most of your true commercial lending options are always going to be slow to react so I'm still seeing commercial rates higher than that.Sent over a DM, but would love to talk through some options if you are interested.Good luck!

Go to Etsy and search for "rental property tracker," and you will find hundreds of nice spreadsheets to track 10-20 rentals, usually for under $10.Software has extremely helpful features like online payments, marketing syndication (click a button, and your property is advertised on multiple sites), electronic document review/signing, maintenance tracking, and owner reports.