I can only put 1 unit on the subplot but it's a whole lot easier than turning the duplex into a triplex and then rezoning. 

Risk Mitigation: Highlight how you’ll mitigate risks, whether through market research, contractor selection, or conservative estimates.Philly B Class Areas:Since you're targeting B Class areas, which typically have stable rental demand but may need some renovations, a structure that combines monthly interest with a lump sum at the end may appeal to lenders.

As a first-time investor, you might find it easier to start with properties built after 1975, as building codes improved significantly around this time, particularly regarding wiring and plumbing, which can reduce the number of surprises and costly repairs.

Good morning "Upstate" crew,I originally posted this in the wrong thread (I think) so I'm reposting this in the Upstate NY group to better target the Binghamton area.

I recommend creating content that speaks directly to your target audience—your investor avatar, those individualsinterested in alternative investments and passive income.

Hi Wayne,Other neighborhoods to consider are the following: Near Eastside: This area has been seeing redevelopment and could offer good opportunities.Irvington: A historic neighborhood with a lot of charm and potential for renovation projects.Garfield Park: Another area that's been on the upswing and attracting investor attention.Mapleton-Fall Creek: This neighborhood has been targeted for revitalization efforts.Riverside: Close to downtown and has been seeing increased interest from buyers and investors.Reach out if you'd like to talk about financing options!

They can provide insights on good deals, share their experiences, and maybe even help you find properties that aren’t listed yet.Consider Financing Options: Look into FHA loans or other first-time homebuyer programs that may allow you to purchase a property with a lower down payment, making it easier to get started. 

Whether you're a new investor or looking to scale your portfolio, qualifying for traditional loans can be a challenge—especially if your personal income doesn’t meet the strict requirements.That’s where Debt Service Coverage Ratio (DSCR) loans come in as a game-changing solution for real estate investors, providing an easier way to finance properties based on the property's cash flow rather than your personal income.What is a DSCR Loan in Real Estate Investing?

I was in land and Timber in ORegon all through the 90s one of my favorite business's just got back from Target practicing up in the Tillamook forest today :)  Timber though is HIGHLY regional..

Let's just hope none of your tenants read your response and figure out what a pushover and easy target you are.Not aware of any laws in Chicago or Illinois that require a landlord to provide a property with a MAXIMUM temperature.