I’m 34 years old and just now learning about how to use real estate to invest, so I’m definitely behind the curve.

@Osvaldo GuerraAustin, TX, is a popular destination for small multifamily properties due to its booming economy, strong rental markets, and family-friendly environments.

These loans usually consider the property's cash flow more than your personal income/credit.2.Switching to an LLC: Transferring your property into your LLC can offer asset protection, but it won’t necessarily make it easier to get future properties unless you're using LLC-friendly financing.

Not to mention my Japanese friends who are in college all have cheap apartments by the college because they don't want to wake up at 5 am for a 2-hour commute to school.

Getting into REI as a way to leave the rat race and live a more family and friend filled life.

I did just broker a .9% deal I sold off market in Chicago and this is a good area with $1400+ rents a unit so making friends with realtors and having them send you stuff before hits MLS is an option too.

@Sureen HariTX has high property taxes and CA has tenant friendly laws.

When I used to do this, my money friend provided all the money, I provided everything else, everything.

Mind you the land lording laws are not as friendly in NY state but I think you'll have a better shot at finding what you are looking for in NY. 

Private money lending typically comes from individual investors or friends and family, often based on personal relationships and trust, and can have more flexible terms.