Buying smaller MF is not hard if you have the funds.

AND, don't we want to own the property free and clear when we are retirement age so we can just collect the rent to fund our retirement?

Are there any HML or private lenders in New England that are willing to fund a very high LTV for the right deal?

@Christopher Short, I've used Fund That Flip and DoHardMoney before.

From there focus on what you do well and get paid for and funnel as much of those funds into income property run by someone else. :)Small mfam is TOUGH!

Notwithstanding the foregoing, if the value of Scott’s interest in any of the LLC interests listed on Exhibit B increases as a result of his active efforts, the appreciation of such assets shall be deemed Marital Propertya) Active shall be defined as exclusively engaging in gainful self-employment working toward the growth of his LLC interests listed on Exhibit B, successor LLC’s, spinoff LLC’s, or any other LLC or gainful acquisition made using premarital funds, mortgages, or other financial instruments to fund growth.

To name a few:Base your underwriting on how you will operate the asset, not based on how it is currently operated or based on the broker's pro formaCreate a budget for each year you plan on owning the property + sales assumptionsHave an upfront operating account fund in addition to ongoing reservesBased the market rents on your own rent comp analysis, not the broker's rent comps15% contingency on top of interior and exterior rehab budgetConservative annual income growth assumption (no higher than 3%)

@Jim Goebel I was planning to take out a $12k personal loan to fund this on top of my own cash.

@Shasky CharlesBlue ocean opportunities in commercial real estate by Cherif Medawar This is an amazing book that is available on Amazon for $2.99 Cherif Medawar is an experienced investor, teacher and a real estate fund manager so he has a lot of experience and his book details some great strategies and concepts - I could not put it down and have recommended to many people who enjoyed it and used its business models

. $$$2-Rent it out and use a HELOC to fund an owner occupied 5% down MFH-House has potential to bring in around $800-$1000 CAD per month in profit 3-Rent it out, move in with the family until I have enough saved up for another down payment.