Just say no.I would almost never do this trade unless all my downside, including potential unknowns, were completely compensated for. 

Owner occupied loans have allowed us to purchase properties in markets with heavy appreciation, and potential for huge rent increases.

Dallas is a city with a lot of potential to invest in real estate.

I have liquid assets and want to make smart, scalable investments that balance cash flow, appreciation, and low risk.GoalsGenerate consistent cash flow to diversify my income.Maximize appreciation potential for long-term wealth growth.Invest in areas with low crime rates to minimize risk.Reduce my tax burden for 2024 with real estate purchases.My Current ThoughtsI’m torn between two main strategies:Multifamily Properties:Looking at markets like Austin, Raleigh, and Tampa for 10-50 unit multifamily properties.Love the scalability and centralized management, but I'm concerned about high upfront costs and competition.Section 8 Housing:Considering affordable markets like Memphis, Cleveland, or Indianapolis to purchase 5-10 single-family homes.I like the government-backed rent stability, but managing multiple properties across different locations seems intensive.Key QuestionsWhich strategy would you recommend for my goals and liquidity?

I’m looking to connect with local investors to exchange insights, experiences, and potential opportunities.Thank you, and I look forward to building meaningful connections! 

Of course, not everybody is that good at or has the time to do Google searches or know how easy it is to use ChatGPT so it might still make sense for you to provide such a guide to your (potential) clients.If you don't want to spend time reinventing the wheel, you have other easy options:a.

Are you currently working on lining up funding or looking at potential properties yet? 

Check with the lender but my understanding is they will count that potential income as well.

However, ensure you understand the local tax structure and any potential future changes.Economic Dependence: While Albuquerque has a diversified economy, it's worth noting that government and military jobs play a significant role.

Those are great areas with solid potential.