If you're living in it now, you'll probably be required to have a signed lease in place as well as proof that first month's rent/security deposit were collected in order to get a DSCR loan (they're business purpose loans and don't allow owner occupancy).

We have not been able to secure financing and had conversations about it.

If these things weren't disclosed that could be an issue.Did you work with a licensed insurance agent to secure coverage?  

Luckily, I did not include this unit in my underwriting when purchasing, so the survival of this property is not contingent on this situation.Continuing to optimize for management of the building when I move out, like moving everyone to online rent payments or adding remote accessible security cameras.Exploring opportunities to expand my portfolio—I've begun my hunt for my next 3 to 4-unit building to house hack, ideally in Lake View, North Center, or Ravenswood.This year taught me that real estate investing isn’t easy, but it’s undoubtedly worth it.

Utah is one of the most expensive states in the country.Not only that, but there's a robust wholesale community here which makes finding distressed and discounted deals hyper competitive. 

Quote from @Jaša Rot: Hello Marshall,thank you for your reply.my idea was to sign a trust deed and promissory note with the borrower so that the loan is secured by collateral.

Also travelled 2 hours to find a security door design I saw in Orange Walk. 

Columbus is an absolute goldmine right now - it's got robust job growth, a booming tech and university scene, and consistent strong rental demand. 

Together with it, i have a mortgage free apartment that serves as financial security. 

Look for undervalued properties.Network: Connect with local real estate agents, contractors, and other investors for insights and deals.Analyze Properties: Use the 1% rule to evaluate potential properties (monthly rent should be at least 1% of the total investment).Secure Financing: Explore different financing options like conventional loans, hard money loans, or private lenders.As for timing, if you can handle the extra responsibility, starting now could give you a head start.