For properties under $300K, you can definitely find okay options in these areas.

There are DSCR lending options in your personal name.

For funding, explore options like FHA loans, personal savings, or creative financing, and focus on New Jersey markets that align with your goals, such as Newark for rentals or commuter towns for house hacking.

Remember your situation is unique so it's important to consult with a tax advisor or CPA to explore all available options and ensure compliance with tax regulations.Thanks!

I know that the regulations in Beverly Hills is "friendlier" to landlords than Los Angeles and I'm exploring the option to convert a multifamily apartment into condos. 

@Paige Gardner it depends on the person. hml are my last resource, it's a option for sure. 75% too high for me. that's the game for them, that's how they make its money. don't take it off the table but definitely explore ur options. 

If you ever need assistance or guidance with financing options for your project, feel free to reach out.

OC California is very expensive so investing out of state can be a good option.

There is 3-5% down payment options you can use.

Quote from @Blake Winiecki: Figure out how much you want/need to earn, then reverse engineer it to see what options are available.