Smaller, non-commercial multi-family properties are not common in Orlando, making them very very competitive and hard to strike a worthwhile deal.

Thank you for your response I think they’re saying from an average strand point, you can consistently *add the most value *    by building non commercial residential multi units.

Keep in mind, many wholesale lenders can finance 5-8 unit multifamily under non-commercial loans. 

Are you looking for Single Family, Multi-Family (Non-Commercial ; < 5 Units), Multi-Family (Commercial, > 5 Units), Retail, Office, Industrial, etc.Assuming you are looking at residential as that is what 90% of BP is about, it would be useful to know if you want turnkey or not.

@John MoseleyFor non-commercial residential (i.e., fourplex or smaller) in Killeen, I typically start with a vacancy rate of 2 months (~15%) and adjust up or down based on the specific property.

I am curious if anyone has a general liability background or advice on NON-commercial/retail real estate.

The hard part that many face when going from non-commercial multifamily to commercial multifamily (5+ units) is that the financing gets worse before it gets better.

Originally posted by @Eric Weldon-Schilling:Maybe because people are starting to understand that there really is something fundamentally immoral and wrong with a system that allows a small group of people who either have tons of extra money or are able to get approved for multiple mortgages to hoard extra property then charge people for a basic human necessity, sticking them in a position of essentially modern peasant who will then almost certainly never be able to save up enough to buy their own home and build equity and enjoy the stability homeownership brings s it stands now, millions of people are stuck in a cycle of paying someone else’s bills and never getting to enjoy any of the benefits of owning a home.

The former seems like a personal non-commercial use, while the latter may need a business policy.   

Was wondering if anyone has any knowledge they can share about lending practices in Texas for both commercial and non-commercial properties in comparison to Ca.  1.