I'm totally fine using resources like books, online research, and AI, but I was looking for real-life, experienced individuals who could shed some real light.

My initial interest in out-of-state investing stems from the high cost of multifamily properties in New York and the state’s renter-friendly laws.

But 2025 offers other opportunities that did not exist 10 or even 5 years ago - think AI and online businesses.

While this can maximize leverage and ROI, challenges include getting lender approval for seller financing, high carrying costs, and the pressure of short-term loans.

Here is their description and note site Their terms state: "With whole note investments, the investor transfers the complete loan amount and is the sole owner of the 1st position on the loan.

We recently relocated to Phoenix last summer and I'm starting to look for recommendations for local credit unions here in Phoenix which are trustworthy, low rates, personal touch, easy/simple to work with, etc. 

We are in a constricted market cycle, low volume, strained budgets, high costs.

Certainly talk to your CPA or your 1031 QI, both of which should have had a 10 second explanation at the tip of their tongue.

I’d love to hear your thoughts, tips, or even warnings.

Calvin,First of all, get your phone number on the donotcall.gov site.