I love that you have specific goals for 2025 - I believe if we think it, write it, say it, and share it our goals are 10x more likely to come to fruition.Are you able to do option 2 and just house hack a 2-4 unit building and use a renovation loan which allows you to put down 3.5-5%I highly suggest getting to some local chicago meetup groups (we have an in person one on the 17th)...here is BPs list: https://www.biggerpockets.com/forums/521-real-estate-events-...I also have a full list of the chicago meetups that I can share with you too if that'd be helpful.

@Venka Pulla Many smaller PMCs are unprofessional, they can also be vindictive.So, suggest you get all the info you can from your Owner Portal before terminating them.Also, hire a new PMC BEFORE terminating the current PMC.Then, terminate and work closely with the new PMC to get tenant payments switched over and whatever documentation is missing.Hopefully, you'll screen for a new PMC better than you did to pick the current one!

If you plan to have it for more than 4 years I would suggest to do a cash out refinance because you will save in interest rate. 

I always suggest buying fewer but better properties.

My suggestion is to simply file the BOI requirement.

Below are some key questions I would suggest asking.Are you a direct lender?

Here is my website if you have any suggestions: https://maxiemaids.com/I've tried using cold email and some cold calling to get in contact with realtors and property managers, but it has not turned into consistent business. 

I would suggest focusing on Norfolk over Portsmouth,  its a better market with more appreciation. 

The only thing I'd suggest is to raise your rents unless you think you're at the top of the market.

Suggestions?