43608 (and the similar single-digit zip codes) fall into the 80/20 rule...stay out of 80% of them and the quality changes with every block.

Agree with @Joe Funari - we only work with local/community banks and regional banks - they are quicker to respond, take a personal interest in partnering with your real estate business to see it have success (which makes sense, because they want you to make good on your loans), and offer much better rates than hard money loans - we don't pay any origination fees, they can even fund in less than 30 days, and interest rates have never hit double digits over the past 2 years.  

I would suggest setting up to get paid via direct deposit or another digital medium.

We were paying 6 digits in taxes with our previous CPA.

Most 2nd position lenders will want the investor to have skin in the game (invest their own money) AND be paid a double-digit return.When you purchase property, you ALWAYS need to have reserves, but in this scenario, you really need to have reserves since you will need to make 2 large debt payments every month.

LTV is typically limited to around 70% and rates are in the double digits.

If you go into multifamily and you know how to reposition a property and increase NOI, you can generate 7-digit windfalls in a couple years.REI is a LOT more active than the stock market.

First thing I thought of was you know digital docs can be faked, right? 

Make sure that you posted the property onto a digital website like Zillow, and always ensure that the tenant fills out the proper paperwork, so that you can review their background.  

Digitize physical receipts for easy storage.