And why we still wait on hold for human customer service reps, instead of being helped immediately by AI.

Obviously mortgage rates dropping is ideal and would allow for a portion of the $250k down payment to be pulled back out (cash out refi) all while keeping rents pretty close to constant.

HubSpot might be ideal if you want to tightly integrate your CRM with marketing efforts.

Hey Maurice, You should ideally work on cleaning up your credit to get the best possible rate, which it sounds like your doing.

I am looking for a place with high occupancy rates that can yield a good return on cash invested, ideally around 25% or up.

Now you can ideally monetize it's sell price with the added premiums of turn-key and seller financing, and as completed raising the sale price significantly creating sizable profit.

Could you convert just the garages in to a massive “owner’s suite” convert e small building into a garage or workshop and create the ideal 4 unit for an owner occupant?

Custom would be at least 1/3 more.

Considering your goal of house hacking a duplex, while FHA loans are common for first-timers, there are alternative financing options to explore:Conventional Loans: Need more credit and down payment, but offer flexibility. 203K Loans: Ideal for fixer-upper duplexes, bundling purchase and renovation costs.VA Loans: Great for vets—no down payment, competitive rates, and no mortgage insurance.Portfolio Loans: Private lenders, good for unconventional income or credit histories.Hard Money Loans: Quick, high-interest, good for investments or major renovations.With $30,000, mix it up—use it for a down payment, maybe pair with a conventional or FHA loan.

I want to get involved in the plans for the future, the financial goals of the owner, protecting the longevity and condition of the properties, maximizing income potential while also treating tenants like paying customers with fairness, care and respect.