In The Millionaire Real Estate Investor, it profiles a couple who used this strategy.

Interest rates atm seem quite high so will ride this out a bit longer (and ratios will continue to improve over time.) 

I am in my working years, not relying on rental income, and am focusing mostly on improving my overall net worth (not as focused on living off the cash flow).

This type of loan can be a great short-term solution to help you acquire and improve the property before refinancing into a long-term loan or selling it for profit.

Pick one that is improving, homes being renovated and flipped, vacant storefronts being turned into cool coffee shops etc.Good luck.

If you have a good understanding of your market, asset class, risk profile, etc. this ratio can change accordingly.

.- After closing, you can do some of the work yourself to save money, but the program doesn't allow you to pay yourself.You will want to buy a Class B property, maybe Class C+, in an area that seems to be improving.

Focus on optimizing the current fourplexes (improving rents, reducing expenses).

The key is to pick a lane—focus on improving as an investor, finding great deals, and letting a solid property manager handle the operations.

That profit will increase over time and improve your return.