I seem to remember that I didn't even have a business card until then either.You are VERY late to the game to be making these decisions. 

I may have to start smaller and that's ok too, at least I'll be in the game.

Baselane rolling out this feature was a game-changer!

I have been playing the multifamily game for almost 10 years now, and the GRM is one of my least favorite methods personally since it ignores so many important factors (steam boiler versus electric baseboard heat as an example). 

If your game plan is to pay it off with prepaying all your money you absolutely need a HELOC however don't need to use.

What is your end-game reason - it can't be just about the $$.You're in the perfect place here on this forum.....ask questions, lots of them...

But it's in your interests to make sure the property value makes sense and the borrower has skin in the game.

In the end, you have 2 choices when there is a change, blame the system or find a way to win the game.

These types of loans typically require at least a 10-20% down payment, as lenders want to see that you’re financially committed to the project.There are ways to get creative but they still require some form of skin in the game. 

Person new to real estate trying to get in the “game” with little or no capital and trying creatively.