Consider offloading an underperformer, or a high equity property and getting better, larger or more assets.

For example because New York is a generally more expenisve market, you have larger loan buy downs, bigger dollar appreciation, etc.

I would suggest going to independent landlords and staying away from larger apartment complexes.

My experience was mostly doing SFH/Duplex/Triplex etc. and had experience in larger multifam. 

There are also 'mezz' lenders (typically for larger transactions) who will cover up to 90% CLTV and require you to bring the remaining equity to the deal, and additionally there is Gap Funding in the form of unsecured personal debt.The latter can potentially be the most expensive option, but allows for true 100% financing as there are no restrictions for how to use these funds, as they are unsecured, and generally obtained through personal credit, income etc (since there is no collateral for obtaining these funds).

But it's YOUR money, and Real Estate, to put it mildly, is a contact sport).Month 5: Deals & Network (15-18 hours/week)Submit first offersAttend 2-3 REI events monthlyBuild social media presenceKey Goal: First offer acceptedMonth 6: Scale & Automate (15-20 hours/week)Delegate initial tasksEstablish morning/evening routinesCreate follow-up systemsKey Goal: Sustainable weekly schedule🚫 Common Pitfalls to Avoid:Overcommitting earlyNeglecting W2 responsibilitiesSkipping system creationTaking on too many mentor calls✅ Success Markers:Consistent daily actionsGrowing networkClear systemsNo work conflictsSteady deal flowMaintained energy levels👉 Action Steps This Week:Audit your current scheduleBlock 2 hours dailyChoose your power hour (morning/evening)Set 30-day milestoneGeneral Comment:  obviously not everyone will follow these suggestions.  

I appreciate your energy and readiness to learn.

@Jay Hinrichs The energy is great thus far.

I have heard wholesaling is tough but despite having less volume it has larger spreads in San Diego OK.

I do not recommend paying any upfront fees, unless it's with a large bank that typically requires a good faith deposit on larger transactions.