I have a 4 unit property that has forced air heat but no a/c.

There are occasions where the borrower does have ability but does not qualify for traditional - but that is rare.Throw in the fact that I am not a bank so I can create loans out of thin air and only need a 10% reserve as another reason.I can share good and bad stories - it really goes to underwriting the borrower and the price they pay (paying more) is irrelevant if they cannot make payments

Having your own buyer's agent is important especially in situations like this because a "dual agent" can't help you negotiate this issue or offer guidance because they work for both sides.

I’m active duty Air Force with four rental properties.

:PJoel: NOT trying to start a fight (though I don't mind) or an argument here, but I AM one that will call out a person when they over-reach or blow hot air for all to see. 

I'm a wholesaler/investor in GA and the areas I come across deals are in Albany, Macon (college area, Amazon Facility), and Warner Robins (college area, Air Force Base).

When you say HVAC, do you mean just the furnace or is there central air for the units?

To me the quadplex would be dual purpose, while you are not living there it serves as a reliable stream of income, once you move there, you could live in 1 of the units while you build your permanent home, and you could also use it for when your family comes over for large gatherings.A 2nd option might be to build an RV park, Unless their are zoning restrictions, you should be able to build one fairly inexpensive, with a septic system and either public water or a well, you can keep your costs to a minimum by doing gravel roads, which are easier to remove later if you don't want them. 

Hey all,Recently got dual-citizenship (US citizen, obtained Mexican citizenship) and am planning on buying a home in Mexico as part-time STR.

This is what I got from the seller.Remodeling: No remodeling has been done recently but is still in good condition and almost like new: a new 50-year metal roof; new central air and heat; new cabinets, sinks, etc., in the kitchen and baths; new flooring; a new driveway.