If a single-family owner-occupied property is worth $400,000 - I wouldn't invest more than $280,000 (70%) in a note secured by the property.ITV takes priority over desired yield - so even if the note discounts to $350,000 based on desired yield, the investor still won't go beyond their maximum ITV. 

However their internal business systems leave a lot to be desired and have really messed us up. 

I am interested in utilizing space again for group meetings, workshops, and for clients who may still desire private space.  

Not fully rented, but in a highly desirable location? 

I have a wife and 3 kids and the weight of their futures on my back.

Keep in mind that inexpensive properties are inexpensive because they are less desirable properties in less desirable areas and attract less desirable tenants.

Most everyone mentioned the weather and appreciation due to the weather making it so desirable to live there. 

So you have to weight risk to reward.. and sometimes we have to eat one that we bought it happens..

I incorporated smart home technology, such as automated lighting, heating, and security systems, which is highly desirable in today’s market.

Quote from @Alex Minter: Quote from @Daniel McDonald: Welcome @Alex Minter I've been house hacking the past few years just north of Boston and understand the desire to build a portfolio.