The loan to value that you can go up to will mainly be determined by your age.

Last thought (mainly for future readers), you may be talking about the 1 year FHA history if you have variable income.

I believe the main issue is 2 fold: 1.

I have liquid assets and want to make smart, scalable investments that balance cash flow, appreciation, and low risk.GoalsGenerate consistent cash flow to diversify my income.Maximize appreciation potential for long-term wealth growth.Invest in areas with low crime rates to minimize risk.Reduce my tax burden for 2024 with real estate purchases.My Current ThoughtsI’m torn between two main strategies:Multifamily Properties:Looking at markets like Austin, Raleigh, and Tampa for 10-50 unit multifamily properties.Love the scalability and centralized management, but I'm concerned about high upfront costs and competition.Section 8 Housing:Considering affordable markets like Memphis, Cleveland, or Indianapolis to purchase 5-10 single-family homes.I like the government-backed rent stability, but managing multiple properties across different locations seems intensive.Key QuestionsWhich strategy would you recommend for my goals and liquidity?

Right off the main drag. 

Is it better to have a job or business that is doing well, then funnel the money into larger projects, if my desire is to be one of the main GP for like 33-100 unit multifamily projects?

This was not a complete rehab, we were keeping the main bath, moulding, and original dooors. 

-> Regarding the short / long term rentals:- short term: tourism is one of the main sources of income of the country and therefore has lots of potential.

This would include doing mainly flips so i can get a solid return from that money or possibly even doing private money lending. 

Short term it is difficult to make the numbers work, the cost of new construction and the time it takes to zone-plan-build are usually the main reasons why private investors stay clear.