Even if someone in these forums were to teach you a creative financing strategy that required zero out of pocket cash and the seller was willing to accept those deal terms, you still aren’t qualified to own real estate with your current balance sheet.

I'm an investor and realtor located in the area and happy to chat ideas & strategies and see how I can help. 

I agree that working with people is easier and more cost effective than the alternative.As I read this, I'm considering creating a Cash For Keys written program that I can give my tenants at lease signing to remind them to come to me rather than just stop paying. 

I'm eager to learn more about:Identifying undervalued properties: Are there any specific strategies or resources you recommend for finding deals below market value?

Here are some practical steps and strategies to consider:## Single Family and Small Multifamily HomesWhen looking at single-family and small multifamily homes in northern Illinois and southern Wisconsin, make sure to analyze the local market trends, rental yields, and property appreciation rates.

Design happens to be one of my passions, and I’d love to help you brainstorm ideas or suggest some cost-effective design solutions that could work for your project.If you’d like, feel free to share some details about the style you’re aiming for or any preferences you have.

Even the most expensive property managers are EXTREMELY cost effective if you really think about it!

@David MartinezA quick search on furnishedfinder.com shows a bunch of available midterm rentals in that area so you can use those to help guide your price and strategy.

Where I’m Focusing: Ohio (Dayton and Cincinnati) — I already have trusted partners for renovation and construction.Investment Strategies: I’m interested in fix-and-flip and BRRRR.Open to Networking: Real estate agents, investors, contractors, and anyone passionate about real estate.My Goal: To learn from experienced investors, share ideas, and build a scalable real estate business.Looking forward to connecting and learning from this great community! 

There are a few strategies you might consider to accelerate things.One option is a cash-out refinance.