I'm currently exploring opportunities in the Honolulu market and looking to use my VA renovation loan to purchase a 3-4 bedroom home, renovate it, and rent out the extra rooms as part of a co-living/house-hacking strategy.

I’d also look into using an FHA 203k renovation loan, allowing me to buy something unqualified for a standard mortgage, which would weed out a lot of competition and push the price lower.

Having worked with 1,000's of investors to Broker the properties I sell in my local market, and having worked with dozens of Property Managers, Turnkey Providers, Agents, Property Management Software Companies, Lenders, Inspectors and various other investment real estate vendors to market their products and services on my show, the one thing that stood out to be was the CEO Zach's obsession with the biz.In real estate we've get a lot turnover, a lot of flameout.

If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

It separates your personal assets from your business, providing a safeguard if any legal issues arise related to tenants or the property.

@Leslie Beiai think offering equity when what you seem to need is just a loan doesn't make sense.  

Commercial Loan How did you add value to the deal?

Don’t forget to include the cost of the loan servicer. 

There are so many options - Primary residence HELOC, Stock portfolio Loan, SDIRA / IRA LLC..., conventional loan.... 

Not having the latter I find myself on a journey to build a portfolio not just for wealth's sake, but to move the proverbial needle on beautiful design and provide a more pleasant built environment for all!