I’m a bit biased for obvious reasons, but seriously, Georgia is perfect for small multifamily projects.

The six month cd isn’t the point my understanding is that I can’t just take out the HELOC, I need to actually use the money for my plan to work and a short term CD seemed safe and reasonable 

I learned so much and it was part of the reason I felt confident enough to go out and buy my first one. 

This amount provides a reasonable safeguard against potential claims if something goes wrong, like an accident or damage to the property caused by the tenant. 

Clearly their pricing strategy isn't working for some reason. 

Net migration is negative for a reason.

Of the dozens of MFR I have closed on over the years none have been in Newark, the reason for this is it is not worth the headache. 

If you have a lot of family in OK, that can be a great place to start assessing since you have dedicated boots on the ground, as well as a reason to visit.Don't overthink the analyzing of markets when you are still figuring things out.

Reason that is bad is 2-4 units were the first to go sky high in 2020 to 2022 and now rents do not match the market if your getting financing.No point having a mortgage of over $2850.00 on a $420K home if the rents on a Duplex are only $1250 to $1350 a door. 

Pretty reasonable cost too.