Having separate accounts for different properties isn't super scalable. 

That’s why I’m always refining my approach—whether it’s using alternative data sources, networking with local professionals, or adjusting how I reach out to owners. 

The owner, a family member of one of our buyers, inherited the property through probate, but they weren’t equipped to handle the renovation.The house had been left in disrepair for quite some time, with the previous owner struggling with mental health issues.

Typically if no one bids on the property, they will initiate a price reduction on it.

I would find properties, submit them to their portal and they would tell me what they would offer when the house was completely remodeled.  

For years, many projects in Chula Vista's Coastal Zones faced long delays, but starting in 2025, SB-423 changes that. Eligible developments can now move forward with streamlined approvals provided they meet affordabil...

Many states have discounted property taxes and lower yearly increases for owner occupied properties.

At that point in time the market was still hot for properties at my price point in my buy box.

So it does appear to be possible to get an FHA 203k loan for a 5-unit & convert to a 4-unit.When possible, aim for the Limited (aka Streamline) 203k loan, as it's less complex, not required to get an FHA consultant, etc.Of course, this is based of the two following important assumptions:1)  zoning allows for this2)  and obviously I owner occupy for at least 12 months3)  the total purchase price + renovations are within the FHA loan limits specific to my areaWhat I'm confused about is the timeline or chronological order of the process? 

Since you have more time than capital right now, consider side hustles like Airbnb co-hosting, property management for other investors, or even leveraging your nursing background to consult for mid-term rental owners.