Hi Jimmy,Welcome to the BiggerPockets community!

After going through appraisal and all the applications process, they rejected the loans, over how HOA consists of too many investors vs homeowners, I then picked another unit in different community, did the same process, then they rejected the another execuse over HOA, It costs me several months times of refi and I requested the refund of appraisal fee and didn't get this refund. 

I do expect greater development of condos and townhomes and higher density single family communities. - Acreage will continue to be a very hot commodity.

.: Quote from @Kyle Carter: Hello BiggerPockets community!

or what details can you share about how you package everything together...that would be great information for the community!

I’m newer to Bigger Pockets but am happy with the community I have found.  

And start the tedious process of building those relationships.Or you could skip all that and find a mentor that also has the community of likeminded people.It will take you less time but is likely going to require an up front investment.Btw have you done a deal yet or would this be your first?

The guy on Youtube that boasts about buying properties with no money out of his pocket and using other people's money from his "community" to pay for closing and carrying costs, said in a video in June that he had 10 Due on Sale called in AZ alone from Jan 2024 to May 2024.

Agreed.....Milwaukee has such a helpful community of investors.

You will learn to be efficient with your marketing dollars and time and the community is very supportive.