My wife and I have obtained three traditional loans and one lease with the option to purchase, resulting in most banks turning us down based on debt to income (non-portfolio lenders). 

Based on my initial analysis, I get the sense that BRRRs are still quite viable in the three Cincinnati, Cleveland, and Columbus.

For example, will they look at the T12 (Trailing 12 months), or something shorter like a T6 or T3 (last three months).

Income: Verified monthly income must be at least three times the rent (minimum $4,200 combined).

Seems like you're just a marketer working on a contract basis (not that I'm defending the program or even saying it's legitimate).in CA you for sure need one of three things if your going to be doing loans for others.RE Brokers license like myself Its how I ran my HML company for years in Oakland CA. we had a 50 million dollar book.Consumer finance license.Or MLO with NMLS registrationOne of those 3 if your going to make fee's brokering loans..

The Austin metro was among the hottest destinations in the country for where people were moving last year, according to the latest annual ranking from U-Haul International Inc.Austin ranked No. 5 among the top U.S. growth metros in 2024, and Texas was the No. 2 state for move-ins — bested from the top spot after three consecutive years by South Carolina, according to data released Jan. 2 and Jan. 3.The Dallas-Fort Worth-Arlington area took the crown for the top growth metro in the recent list, followed by Charlotte, North Carolina (No. 2); Phoenix (No. 3); and, Lakeland, Florida (No. 4).

For Airbnb, do i allow STR stays for the next three months and then block out the calendar beyond 3 months for MTR stays?  

I currently have 7 rentals units ( two three unit properties, an investment condo and a garage space) Currently I accept many forms of payment including Zelle, Venmo and paper checks.

I've used both in the last two, almost three years, of wholesaling real estate.

I’m very familiar with the city but have been gone three years, so curious what’s happening on the ground.