By the way - for the same reason the 1st position lien holder will be uneasy with 100% CLTV, as a buyer I would be uneasy with it as well.

Just looked at her website.

The rental market is already showing signs of recovery:Spring Is Coming: Historically, the rental market picks up momentum in the spring as tenants prepare to move during warmer months or ahead of the school year.Early 2025 Trends Are Positive: In just the first week of January, we’ve seen a dramatic increase in rental applications, suggesting pent-up demand from renters who delayed their searches in November and December.What Landlords Can Do NowTo make the most of this recovery, consider:Refreshing Your Listings: Update your photos, descriptions, and pricing to ensure your properties stand out.Offering Incentives: Temporary discounts or move-in bonuses can help fill vacancies quickly.Being Patient: The market is already bouncing back, so don’t panic if your property takes a bit longer to lease than usual.What’s been your experience?

Don’t hurt your ranking by splitting your property into many baskets… especially those personal websites!!!!

I also know finding a quadplex as a first property in Orange County isn’t going to be easy, but I’m open to hearing people’s thoughts.My goal isn’t to turn a profit right away—I know properties here might not have positive cash flow for a few years.

HI @James TobinAs you get into the RE market, regardless of where you choose use this website as a good starting point to find out what the areas are likehttps://www.areavibes.com/Best of luck from Fort Worth 

There was positive population growth, medium home price growth, low unemployment, good rent to home ratios, and low crime, all of which are factors when I start looking into an area to invest in.  

I just reveled at a companys lead strategy that lead from the website directly to whatsapp.

There are a few programs that can do second position financing but typically underwritten based on your personal income.

Try pulling this crap in CA and see if the DRE has a problem with it.Interesting that COGO Capital references their CA DRE Brokers license on their website.