I did buy a website which was expensive and produced nothing, still trying to decide what to do with that sunk cost.

Now a-lot of times you buy a home from someone with seller financing and they hold the note for 6 months to season it and then sell the note to another investor or a firm and then it will most likely show up on your credit because these are more sophisticated investors.In regards to the benefits of owner financing you won't have to pay closing costs to a bank.

I want to go the buy-and-hold route, and I am interested in finding a duplex that will provide a steady cash flow, a high appreciation value and does not need renovations.

If you’re looking to buy and hold and get all 3 benefits that’s the way to go.  

My wife and I also invest in STRs and I spend a lot of time working over the best place to buy our next property.I've been looking at Packwood recently for a client.  

Are you buying for yourself or trying to wholesale (or what is your exit strategy)?

Quote from @Christopher Lynch: I recently watched an episode of BiggerPockets where the guest discussed how he started a real estate investment company and buys commercial properties with 0% down.

However, there are ways to leverage SBA loans so they can buy a new primary and then look at their current property as an investment property and secure a DSCR loan to redevelop and rebuild.

I plan to buy my first rental property within 2 years (by Dec. 2026).

We can buy the house for maybe 125k and he estimates 120k in renovations.