This is where I thought at least we need to earn what we pay as interest (Opportunity cost) and with an intention to hold, looking for better spread to cover the post pandemic crisis and recovery.As you said, there are different styles of play, I will keep a note ‘why low capitalization can be an alternative’.

Or partnership style lending that someone else has done that has advice?

In my case, we decided to move to Charlotte a year and a half ago, because it is more family-oriented, the average age in Charlotte is 35, and we thought this was a better fit for our children.

Underwriter seems to really pertain just to loans (maybe valuation too which this role is not doing), real estate analyst seems to be more about valuation based on profit/loss/commercial style metrics.This role might not be widely available, just reserved for folks with real estate investing businesses, so there may not be an official job title.

The most common portfolio style loan in Texas is a 20 year adjustable rate loan.

On our primary we were able to get in with him before he had even started building so we had the chance to make some custom choices (floors, door styles, countertops, appliances, light fixtures, paint colors) basically anything he would let us choose we did, and it got rolled into the price which didn't really increase it much and where we could, we would purchase items and just have them do the install (which they were going to do anyway so no extra labor).  

Items that I like to see original but in good condition are wood trim/custom finishes, windows (really love sagging glass in an old English Boroque style sash window with 6-8 panes, but only if they’re in decent condition and not too rotten to be repaired), fireplaces, custom masonry, claw foot tubs, and even tile/bathroom/kitchen features and fixtures as tenants love that old-timey charm (as long as it’s well-cared for and still functional of course).

Here are some ideas:If you can find a seller financing deal, often times down payments are negotiable and flexible.You might also want to look into an FHA-style loan, the lowest amount you can put down on a house hack deal on a small MFR would be 3.5%.

I’m looking for a commercial building (preferably industrial/warehouse style) with at least some outdoor space and parking or room to add parking.

We wanted to try a "live-in flip" style, and we needed to move to a bigger house anyways.