The city also benefits from a relatively low cost of living compared to other major cities, attracting both renters and investors.

My father is a contractor so we will be able to complete most of the work ourselves while keeping costs low and add equity.

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).

Rates as low as 7.25, depending on credit score and LTV.

Those that preach no/low down payments are mostly just trying to appeal to the masses who want everything for nothing that will buy their courses.

Is it doable - yes but you will need to go to a lender who probably uses their own funds vs. an instituational lender as they will not like 2nd position nor the low amount.

Mom and pop keeping the MHP forever and passing it onto their heirs who keep rents artificially low forever.

A debt service loan would be a good option if your DTI is high, you want to close in an LLC, you're self-employed or have low income on paper, or you don't have a stable 2-year work history.

Cleveland and Dayton can be great markets for high cash flow and low purchase prices, but you need to be careful when navigating the neighborhoods so you're not buying in a D/F class area where no property managers will manage and where you'll never see any positive cash flow.

Besides reading and listening to podcasts, my wife and I attend a local real estate investor meetup that has been extremely beneficial.