Traditional lenders won’t approve it, and hard money lenders who offer this type of financing all the time look for experience, assets, or strong equity in the deal.Partnering with someone who has financing or experience is realistic approach when starting.

Find one that has strong, sustained  population and job growth. 

Ballantyne and South Charlotte are experiencing continuous growth, and the demand fundamentals remain strong.

For a single property, a strong umbrella insurance policy may offer sufficient protection at a lower cost.

I believe that strong relationships are the foundation of success, and I’m always excited to network, collaborate, and grow within the Orlando real estate community.  

Finding deals outside of California can definitely open up new opportunities, especially given the cost of living and market dynamics in the state.When looking for properties in other states, consider focusing on areas with strong rental demand, economic growth, and population increase.

Try looking into cities in with stable economies, strong renter populations, and where housing is below the US median value.

Your $120K could cover a strong down payment on a cash-flowing duplex.

Long-term rentals are a solid choice, but mid-term rentals in medical hubs (like yours) can offer strong cash flow with less turnover. 

I’m also open to exploring short-term rentals, private lending, or passive investing in funds—anything that maximizes returns while keeping risk and time commitments manageable.For context, I’d consider leaving my job if this could become a full-time venture that surpasses my current compensation (low-mid six figures).