Since you have good personal credit but little capital, consider leveraging strategies like house hacking, partnerships, seller financing, or DSCR loans that don’t require strong business credit.

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Investment loans generally carry high down-payments and costs.

From a financial perspective, the numbers look attractive—many of these properties show a Cap Rate of 6%–8% or more, which is quite decent.For example, if a Dollar Store property is listed at $1.2 million with an average Net Operating Income (NOI) of $90,000 per year, financing 50% with a 6.5% APR, loan would still result in positive cash flow from day one.

Be prepared to provide extra documentation, as the lender will need clear collateral and legal rights in case of default.

Purchase price: $317,000 Cash invested: $55,000 I acquired a Quadplex in 2021 with an FHA loan, investing ~$21,000 in down payment and closing costs, plus $30,000-$35,000 in remodeling.

House hacking is a great starting strategy, especially with FHA loans.

Condo ownership provides clear property rights but means living under HOA rules.

The one aspect I'd say where planning can really provide benefit however is with tax planning.  

I have several different loan products but my most popular one is the new joint venture product that hasn't been out very long.