I will add that Upper Northeast Philadelphia is one of the more consistent neighborhoods over a large span area wise.

I'm however a bit skeptical how they can offer 12% so consistent for so many years.

If you value simplicity and consistent income over high appreciation potential, this might align well with your goals.

The team has to consist of a local realtor with experience in the areas, a lender with experience in commercial lending, and a contractor. 

The rents go up consistently every year which is very important for appreciation and increasing cashflow over time. 

The biggest thing you can do is build your CORE 4 which consists of getting a great realtor, contractor, property manger, and attorney wherever you choose to start investing.Let me know how I can help you get going

Every experienced investor started where you are—hungry to learn and ready to grow.Lean on mentors, network like crazy, and stay consistent.

Build 3mth emergency fund, 20% down payment, consistently paying down debt.

If you consistently analyze properties, recognizing a good deal will be much easier when it shows up.

These are boiler plate loan agreements that are consistent with the loans underwriting requirements.