One was conventional financing and the other was a portfolio loan from a local bank here in Hawaii, I also did a lot of research into DSCR loans during my search.I'm also an agent here on Oahu but focus mainly on Property Management, at the brokerage we manage roughly 50 units that are a mix of STR, MTR, and LTR's. 

If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

I focus on buying and holding SFR.

For appointment setting: we offer an AI-powered re-engagement and appointment setting platform specifically built for RE investors that integrates with your CRM and ultimately makes your lead management process much more efficient. 

For my first investment, I'm looking for a safer investment with a goal to at least break even in 12 months and possibly focus on learning long term cash flow and appreciation.

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).

I've stayed within this niche moving forward which has helped me to focus and find deals easier due to my familiarity with the niche as a local investor. 

I am definitely focused on appreciation over cash flow.

In our case, we are focused on Northern Virginia (specifically Alexandria, VA).

It's more important than doing individual property analysis, because when you do a proper market analysis, you are analyzing ALL of the properties in any market(s) at the same time.Now, one of the analysis "pitfalls" is not understanding what defines a market, or more importantly, a Micro-market.Another problem is focusing on one strategy, and trying to fit each market/property.