I specialize in STR & Co-living concepts, which I recommend for the highest rental income potential! 

-- solid strategy as well, if you go this route I would consider investing with an operator that specializes in this asset class.

And, FMV on 1/6/25 is not FMV today because now you don't have a lot in an established neighborhood, you have a lot in a disaster area which comes with the challenges I listed above.We built about three dozen "fire lot" homes after our fire--all lots acquired off MLS or from owners that came to us (we didn't market for lots), and not at a price that anyone would call a "discount". 

I think that a Short Sale would be the best option to get some discounts/concessions from the lender - however you would need to have a knowledgable Short Sale agent on the seller side.

You just have to make sure you're using someone that actually knows what they are doing and not someone that throws it to a lender that specializes in Conventional Loans.

We specialize in auction properties all over Ohio but specifically in cuyahoga county.

What I decided to do was work in what I was interested in and it led me to be an experienced real estate agent specializing in wholesaling off market properties in PA region specifically Philadelphia and surrounding areas such as Montgo, Delco etc.

You just want to make sure your paperwork is solid. we went with a company that specializes in writing them called creative tc. https://creativetc.io/

One place I heard an interview with that does ADU loans is ADUloans.netIts a mortgage broker in CA that specializes in ADU loans.Might be worth checking out.

We specialize in joint venture transactions, collaborating with both seasoned and new investors.