Hi James,I see you are in Brandon Turner First deal program.

You could also explore other loan programs that work better with higher DTIs, or even pay down some of your current debt.

Hi Michael, we’ve worked with ALE Solutions in the past and are currently enrolled in their Preferred Landlord Program.

I was involved in R&D program with O.C. on "solving" a solar-on-the-roof solution that (a) worked and (b) was scalable. 

But I can't help but think that I could benefit from the occasional discussion about real estate strategies or bounce opportunities off one another.Coach Carson's RPM program details below:Cost: ~$2500/yearBenefits (form Website):Personalized Coaching: Members receive direct support and feedback from Coach Carson and selected coaches, including monthly group coaching sessions, one-on-one "hot seat" calls, and small group coaching within Action Teams.Action Teams: These are accountability groups of 8-10 members that meet weekly over a three-month period to set and achieve goals, fostering perseverance and resilience among participants.Comprehensive Resources: Members have access to a repository of documents, systems, checklists, and more in the community swipe file, including tenant screening criteria, due diligence checklists, and rental analysis spreadsheets.Exclusive Community: RPM offers a private community of like-minded investors who prioritize time and freedom over scaling rapidly, providing a supportive environment for shared learning and growth.The Group Targets:Investors with experience owning 1 to 8+ properties, whether short-term (e.g., Airbnb), mid-term, or long-term rentals.Individuals who are coachable, hardworking, and value time and freedom over aggressive scaling.

I see credit cards and car loans as , but I do not see mortgages being paid down by the tenants as debt as bad debt.Because of the 4 reasons that are listed above I was very skeptical and even today I have not went through his whole program.

A lot of private lenders will use their white label program to appear as a direct lender, however it is just another loan broker.

After Hurricane Sandy in NY the vast majority of the houses on the South Shore of Long Island were lifted through various government grant programs.

The terms you are looking to offer definitely appear reasonable and you should be able to get these offered out under a white label or table funding (maybe not all those terms at once, but likely covered through different options/programs, even with one lender)

Hey @Matthew Giblin - I'd have to echo @Shamar Gregg, Chicago offers a great section 8 program through the Chicago Housing Authority (CHA).