The property offered a balanced investment opportunity—enough to significantly enhance its value through renovations, yet manageable in scope and cost.

I wish I had another work around for you, but I actually stopped using my business CC all together just to avoid the PITA "hacks" they offered as solutions. 

The number of DSCR (Debt Service Coverage Ratio) loans a lender will offer can vary depending on the lender, your financial situation, and the property cash flow.

I believe the price points of the apartment units will dictate appliance specs/packages but appliances are something I always upgrade over those offering competing units.

Additionally, many states offer property tax exemptions, significantly reducing expenses.

National banks typically do not offer products that suite your needs here. 2.

However, rezoning now could still offer some advantages depending on your long-term goals.

It offers high accuracy with 80-90%+ correct contact data, which is crucial for reaching homeowners.

The area’s limited number of apartment buildings means that many renters prefer single-family properties, creating steady demand for these homes.Having assisted numerous buyers in Little Rock, I’ve seen firsthand the opportunities this market offers.

Once your pre-approval is finalized, evaluate each property by inspecting it, confirming the rehab scope, and making offers based on realistic numbers.Drago