Having someone to help you navigate challenges, anticipate issues, and give you personalized feedback as you build your own path is incredibly valuable, especially as you're just starting out.While paid options with specific systems might seem appealing, I agree with you that the key is finding someone who can provide ongoing, situational guidance, particularly someone who has experience in real-world application.

FHA loans, for instance, allow you to put as little as 3.5% down, making it easier to enter the market.Tax BenefitsMultifamily properties provide numerous tax advantages.

If you go to invest in the note space I strongly recommend you do a quick background check on the sponsor as there are numerous who have very questionable pasts.

Strategies: maintain the most amount of credit lines possible without use; no late payments, ever; any credit that you do use as a consumer should be small relative to the credit limit of the account; keep your accounts open as long as possible; don't apply for credit unless you really need it to limit hard inquiries; space out any new applications or inquiries as far as possible. 

If you are seeking an actual private lender or direct HML (as opposed to a third party broker) for an investment property transaction (not a consumer loan), there are numerous ways to identify them... consider starting your search here: https://aaplonline.com

.- Most people kept their ADUs under 750sf to avoid the impact fees- For subdivision, it wouldn't be applicable in your case due to your lot size.Feel free to reach out if you like to discuss in details.

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

I suspect this would happen if various parties were given the ability to ask questions in nearly every application for what this thread touches on - and I have major concerns about integrity (and credibility) issues involved in putting yourself in a position to defend this position if ever challenged. 

They are often too complicated for tenants to figure out, they have too many ways to fail, and they are often easier to circumvent than a standard key lock.I use Schlage electronic door locks with a simple numeric keypad.

I'd want to know more information to make a good recommendation, but it sounds like you would have a strong argument if everything else is the same except for location.MP tasksTenant Management:Showing properties, screening applicants, and preparing leasesWelcoming tenants and addressing inquiriesCollecting rent and managing evictionsProperty Maintenance:Cleaning, repairs, and inspectionsAdministrative & Marketing:Supervising staff, purchasing supplies, and promoting rentals (ads and website)