I have been cold calling direct-to-seller and working with brokers to find deals.I don't understand how properties, in East Boston, for example, are trading at around 5.3 cap when rates are around 6.5%.

Sometimes I have even directed troubled tenants towards assistance programs (such as single moms because there are a lot of programs for them specifically in my area especially).

Hopefully this gives you some direction.

I disagree with this. there are ways to get to 80% cash out and 0% origination fees and rate will be in the high 7s and you'll have a great experience @Alex PattonAre you a broker or direct lender?

It’s worth noting that they can also provide some flexibility by avoiding direct ownership transfers.

It’s a great way to grow faster.HELOC or Equity Tapping: If you have equity in another property, using a HELOC or cash-out refinance could help cover the down payment without affecting your DTI as much.Seller Financing or Creative Deals: Look for sellers willing to finance directly, which bypasses traditional mortgage qualification hurdles.Scaling quickly often involves combining strategies—play around with what works best for your goals.

Sellers often favor buyers who can make larger down payments, as it indicates stronger financial backing and reduces the risk of the deal falling through due to financing issues.Additionally, SFH properties are more accessible to a wider range of buyers, including first-time homebuyers and families, which can lead to less direct competition from institutional investors.

i would do self evaluation to see if you want to be active or passive on deals and that can help you in the right direction.

But am wondering if I can buy directly from the city.

look 1-2 hours away in every direction.