@Sam HendricksenMultifamily is super competitive in this area and you have a huge advantage over your "competition" with the fact that you are owner occupying as most deals nowadays hardly cash flow. 

So, I hope you have a speed dialer and a large cup of coffee.If you want low, competitive rates, fast closings and great service, work with a broker. 

That’s the kind of agent you want in your corner, especially in a competitive market like San Antonio.While I haven’t worked with him directly, I’ve spoken with an investor friend who did.

With fluctuating interest rates, tighter lending criteria, and increased competition for properties, securing the right financing has become a key factor in closing deals and maximizing ROI.Are you exploring creative options like BRRRR, partnerships, or seller financing?

I don’t think the competition in the smoky is light.

Sellers are always going to look at more money down more favorably unless the agent explains the why behind doing the FHA, especially in a competitive market.

While competition hadn't changed dramatically, we noticed some of the competition had pushed up rents on other 3 and 4 BRs in the area.  

Obviously I want to keep my costs low but still want to spring for amenities that would give me a competitive edge compared to other rentals.

Seller financing can be a fantastic way to get into a 4+ unit property, especially in a competitive market like Chicago.Have you started reaching out to owners directly or networking with agents who specialize in multifamily properties?

Raleigh/Cary is what I know well, but the competition is steep.