Hey Steven,Personally, I like doing BRRRRs in Detroit—that's my market and where I’ve put my own money to work.

Time is money and money makes or breaks your business.

Then buy your own, or turn that money into a 4-5 bedroom house and live there a year, and do it again.  5 years down the road you have 10-20% ownership perhaps in 2-3-4-5 RV parks and a couple houses. 

My recommendation - you are 30 and a family of four - continue to save money until you feel comfortable in real estate.

I make way more money wholesaling and investing then I ever did as being just an agent. 

Especially a meet up on private lending, ADU additions are discussed regularly (new attendees looking for money for their ADU additions without being aware that no one there will lend on ADU additions).  

It’s how I got my first property—a no-money-down deal that actually paid me cash back at closing.

Additionally, I am financially prepared to sustain hard money loan payments for up to two years, which is realistic for resolving occupancy issues in NYC.

They are out there, just have to spend time and money finding them.

My first fear for you is that you don't really know much based on your questions and you might need longer to learn it than just trying to get and fund this deal. 22 units, with only 2 multis as experience, makes it harder to find stranger money, but more probably to find friend or family money if that makes sense.