You can look into switching to a local credit union or portfolio lender, as they tend to be more flexible with regional policies.

With my own portfolio I generally underwrite with 10% for repairs, 10% for cap ex, 5 percent for vacancy. 

I currently assist investors in diversifying their portfolios with turn-key SFH's. 

Is it better to diversify your portfolio in one geography, tenant base, style of property (SFH, Multifamily, Apartment).

I am on a real estate journey to grow and obtain a potent Real Estate Portfolio.

I'm seeking to be in an environment with like minded individuals to learn and network to grow my portfolio and eventually network to collaborate on larger deals once I have a better understanding of the commercial side. 

I feel my money is best spent building a portfolio of cash flowing units.

I would maybe add that, with your portfolio spanning several states, you may want to research/interview a national PM that could cover all your properties with one contract.

That first deal after a break can feel like a big leap, but it sounds like a great opportunity.On financing, seller financing, private lenders, or portfolio loans from local banks could be worth exploring if you want alternatives to hard money.Excited to see how this deal goes for you.

I built a 12-door portfolio in Detroit, and the process wasn’t easy, but it’s one of the few markets where BRRRR and strong cash flow still work—if you have the right setup.A Few Thoughts on Your Questions:1.