I don't know the laws in Australia, but in the states, you can usually get a low down payment loan if you will live in the place and you can do this up to a 4 unit and rent out the rest.

.💡 How do you keep rehab costs under control and avoid surprise expenses?

Create the payment that’s very low in comparison to what your keeper would bring in rent.  

Its interesting which countries have low birth rates and which countries do not. 

I would set the cleaning fee for at least what it costs If you feel the cleaning fee is high get some other quotes 

While the math per door is roughly the same, my thought is that I will have more doors still rented while I renovate one, and the overall costs for maintenance is roughly the same. 

HUD loans will take drastically longer (I've never used one personally), but there can be benefits to using these loans if you're a long-term owner.The interest rates in your Key Considerations seem very low for agency loans and they're definitely low for bridge loans. 

I also suspect inflation will drive continued migration to lower cost of living / lower tax states.  

.💼 Startup Costs – Deduct up to $5,000 in the first year (if total costs are under $50K).📢 Marketing Expenses – Ads, branding, and website costs are fully deductible.⚠️ IRS & BOI Penalties to Avoid:🛑 Late business tax filings = 5% penalty per month on unpaid taxes (up to 25%).🛑 BOI Reporting non-compliance = $591 per day in fines, up to $10,000 + potential jail time.Final Tip: Many business owners work with a CPA to ensure tax compliance and maximize deductions.

Quote from @Simon Walker: Quote from @Brandon Croucier: Opportunity cost is a serious expense, if they are moving slow, they are COSTING you more money than what a hard money lender might able to make you.