You're in a strong rental market, and house hacking a small multifamily in Phoenix is a smart way to build wealth.

If you’re looking to get in before prices creep up even further, now’s the time.The rental market is just as strong.

An argument can be made that you build wealth FASTER with higher priced properties.

There is definitely many builders that will build below $550K.

Ditto to all of the above.  85% is very doable with a strong credit score, strong dscr, but yes, the rate is going to be higher because of the higher leverage.

While most DSCR lenders require 20-25% down, some allow lower down payments under certain conditions:1. 15% Down DSCR Loan✅ Some lenders allow 85% LTV (15% down) with strong DSCR (1.2+), good credit (700+), and reserves✅ Higher interest rate compared to 20% down✅ May require prepayment penalty2. 10% Down DSCR Loan (Rare & More Expensive)✅ Available for experienced investors with strong financials✅ Often requires higher reserves (6-12 months of PITI)✅ Could involve seller concessions or second lien financing3. 0-10% Down with Creative Financing🔹 Seller Carryback: Find a seller willing to carry a second mortgage for part of the down payment🔹 Cross-Collateralization: Use equity in another property instead of cash down🔹 Gap Funding / Private Money: Partner with a PML for the down payment

To have your taxes prepared for EACH llc - and YES I strongly suggest you have a tax preparer for your taxes, one that specializes for Real Estate investors. 

You’re in a strong position with multiple viable options.

Airbnb brand is strong 💪 Correction, AirBnB marketing is strong. 

Start small with strategies like house hacking, leveraging your hands-on skills for value-add properties, and building a strong team or network to reduce risks.