I'm a part of local real estate investors meeting and I have some good realtor contacts.

I don't know anything about commercial or apartments so I can't really help you there.

Proximity to Major Northeastern CitiesBuffalo’s location near major urban centers like New York City and Boston makes it an attractive alternative for buyers seeking more affordable housing without sacrificing access to urban amenities.5.

For large apartment projects, it is not practical to demand the return of all letters before closing.

You may find this a viable option with rates where they are, especially if your rental income continues to cover the mortgage.Home Equity Line of Credit (HELOC): If your property qualifies, you could use a HELOC to access the equity without disturbing the current mortgage.

Does it look like a modern-ish apartment with breezeways and internal stairs, or is it built like a roadside motel with long walk ways along the front.  

- Can be a big challenge when tenants are involved for access!

Or paying off my debt, while I provide them with a nice house to live in instead of an apartment. 

One of the biggest mistakes I see investors making is they forget to address things like HVAC, siding, etc when they have access to a hard money loan.

In today's competitive real estate market, having modern amenities can set your property apart, making it more attractive to a wider audience.