yeah, exactly.What's the alternative?

- Are there alternative financing options, like private lenders or hard money loans, that could be suitable for someone with fluctuating income?

If not, any obvious alternate investment that I could do on the property to raise it's value, get more rent, or save money that I may be missing?

Here's why.Each tenant segment has specific housing requirements and won't consider alternatives.

To do this, divide the cost based on the ratio of the fair market value (FMV) of each asset to the total FMV of the entire property at the time of purchase.If you are uncertain about the FMVs of the land and the buildings, you can alternatively allocate the cost based on their assessed values for property tax purposes.Source: IRS Publication 527 (Residential Rental Property)

I used to work in the area, not personally investing there, but I have helped handfuls of investors secure financing in Dutchess and Ulster counties, I do know it’s seeing some heightened interest from investors due to its proximity to the ever-expanding NYC and relatively lower property prices compared to alternative areas.

I don't hear many people talking about this as an alternative if your employer is not matching 401k and you want to be more active in your investing approach long term.

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I am wondering if there are alternatives that I can explore myself without incurring that expense.Your input will be greatly appreciated.

Research sales, rental rates, and vacancy rates, and learn about financing alternatives such as VA Loans, FHA Loans, and 203k Loans.