With your background in cyber security and experience in the stock market, you’re already bringing a strong foundation of analytical skills that will serve you well in this space.It sounds like you’ve done your research and are ready to take the next step—do you have a specific market or strategy in mind for your first real estate investment?

We are specifically interested in multifamily properties (2-5 units). 

@Saul Vargas, to piggyback off others, sourcing a traditional SFH rental that meets your underwriting criteria will be complex due to interest rates and market conditions.

In my area specifically most investment type property listings are properties that were purchased 1 to 2 years ago.

., 10-year interest-only options), and non-recourse structures.Competitive Rates: Recent transactions show rates ranging from 2.69% to 4.65% depending on LTV (55%–80%) and property type.Lender Specialization: Some lenders excel in specific areas:Greystone and Walker & Dunlop lead in Fannie/Freddie volume and large-scale refinancing.Arbor Realty Trust is praised for smaller-balance loans and flexibility.CREFCOA offers streamlined refinancing with 45–60 day closings and cash-out up to 80% LTV.HUD 223(f) loans provide 35-year fixed terms, ideal for stabilized properties.Questions for the Community:Have you worked with lenders like Greystone, Arbor, or Freddie Mac?

In terms of renovations it really doesn't matter much from a tax perspective.The bigger question is what are your specific investment goals?

@David Oh you can either offer a bonus based upon specific KPIs or based upon profitability.

For CO specifically, are these year-round (Denver metro and Colorado Springs) or resort/seasonal for skiing (understanding Colorado mountain summers are still glorious).

. - Flexible terms tailored to the specific deal. - Ability to leverage their network and experience in real estate. - Private lenders are not just sources of capital but can also be strategic partners who bring value to the table. 3.

I believe it's only the right move in specific scenarios.