Look, your all hammering away dead-set of getting me to say SubTo is perfectly legal, it's great, everyone with $1k who joined a group, watched a YT video, go out and do it and all will be fine.

I always thought I needed tons of cash or perfect credit to get started.

I have seen properties show up as far as ~$50k lower in annual revenue than in realized income, so know that the numbers aren't always perfect!

Like Brandon mentioned - you sound like the picture perfect classic "DSCR Loan" borrower - dscr loans are made for exactly this typically - LLC friendly and usually the best fit for when investors hit the 5 or so property mark and hit a roadblock with banks, cash etc like you desribed.Check out this 12-part article series published here on BP on all about DSCR Loans, hope it helps!

I got lucky and a tenant eagerly wanted to rent the entire building, and they were perfectly cool with a carpet over it.

Power is in the community and the ability to network and learn from community members (BP is the perfect example)Gino

It sounds like you are already doing move-ins perfectly with photo evidence and proper documentation.

Vegas is a perfect example U can buy a 400k rental there and in many  cases the taxs will be lower than say a 100k rental in Jackson MS.

This was perfect to save a lot of money while maintaining a high standard of living.

Start small and progress over perfection for future investments.Good luck!