The debt is not yours, and unless a question is asked in a way that would subject every investor to having to reveal the debt of every entity he was an investor in, you should have no problem.This is based on my knowledge and experience, I am not an attorney.  

This year I may see if if I can get a construction loan to build 20-30 apartments, then refinance with an asset based lender. what markets?

It's a GA LLC, but we're based out of CA. 

Based on my current savings rate, it would take me about 3-4 years to save up enough for the down payment on my first investment property.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth. 

The "purely code" stables, I wouldn't suggest.

W-2 status isn’t a choice—the IRS determines it based on work conditions.

Market rate is $1100 on the same street for the same style, size, and age of house.The tenant has been there for 25 years and has also worked as a handyman for the landlord on various properties, so the current owner has asked me to keep him there for at least the next year before raising rents.Property taxes from 2023 are just north of $2000.Based on this Deal Calculator it should cashflow month 1.My questions:1.

Strong rental demand (~50% of each of these markets are renters), solid job base in various job sectors, and a steady growth opportunities in both market appreciation and rents.

We’re currently using it for multi-family properties in a few core markets.While redIQ is a much more sophisticated tool that focuses on properties with over 50 units, our system is perfect for properties up to 50 units, providing an efficient solution for managing lead intake and financial analysis without the complexity of larger systems.Here’s how it works:Lead Intake & Processing: Automatically processes broker emails and key documents (OMs, Rent Rolls, T12s, etc.).Quick Review: Evaluates leads based on key metrics like IRR, price per unit, and more.Detailed Analysis: Extracts data from documents, evaluates financials, and identifies additional income sources.Market Research Integration: Automates checks on flood zones, demographics, school quality, etc.Deal Tracking: Uses Google Sheets to visually organize lead data—while not a full database system, it provides a simple and efficient way to store and track deals without the need for a full-fledged database like MongoDB.Financial Analysis: Built-in underwriting and financial modeling with automated reports.In addition to ZCG, I also own a portfolio of properties.