I love that you have specific goals for 2025 - I believe if we think it, write it, say it, and share it our goals are 10x more likely to come to fruition.Are you able to do option 2 and just house hack a 2-4 unit building and use a renovation loan which allows you to put down 3.5-5%I highly suggest getting to some local chicago meetup groups (we have an in person one on the 17th)...here is BPs list: https://www.biggerpockets.com/forums/521-real-estate-events-...I also have a full list of the chicago meetups that I can share with you too if that'd be helpful.

Out of curiosity would anyone be willing to share any experience with non-paying renters who've vacated the property prematurely?

I'm happy to share tips, etc, if you want to connect. 

But if you build a solid team and do your homework, it can be extremely rewarding.If you’re interested, I’ve put together a lot of resources on the market that might help—happy to share.

Let's discuss and share our insights!

Share your QI experiences!

I'm a local Duluth investor, happy to share my experience and can give some recommendations to help build your team.

Based on what you shared you are not financially qualified to own real estate.

I'm curious if anyone has a great system they'd like to share.

This loan doesn't require any certain length of ownership seasoning or equity.