Don’t Just Buy—Negotiate – Winning in real estate isn’t just about finding deals, it’s about structuring them right.

90% and 100% Occupied...Direct to owner

You can do a lot off of spreadsheets in the beginning, but eventually you need automation. 

@Sean Dillon figure out how to buy a 2-4 unit with FHA loan.Then rent at least one of the units long-term for stable cashflow.Try STR in another unit as well as the other bedrooms in the unit you live in.You may even consider living in the basement, attic or worse unit in the building to rent everything else out and max cashflow. 

In general duplexes will be less than $200k in most Cleveland neighborhoods.

However, I'm in the middle of a cash-out refinance of an investment property I already own.

Outside of West Oakland, what areas would you say are likely to go up in value over time - what pockets/neighborhoods are you looking at?

I'm interested in purchasing land.

@Arun Maheshwari we work with clients to find turnkey rentals in Houston, DFW, and San Antonio in TX, but also have 8 other markets we're in across the Midwest/midsouth.

There is no additional "risk" on the note like a demand clause etc, but you have  extra expense in upfront one time costs and the pre-payment penalty that most programs are sold with if rates do drop as expected in the future.