I thinking of things such as-Sustainable building practices-Regenerative Architecture-Roof top Agriculture-Dare I say "how to reduce tenants rents"-Changing Housing Policies and laws-Providing more low income properties-Keeping costs down while providing quality unit/product Im hoping to hear some examples of "good will" you've witnessed within the REI industry

“Shortages of vacant developed lots and regulatory hurdles in Austin make it difficult for meaningful housing development activity to occur within Austin’s city limits.”This is a major issue to be addressed in CodeNEXT, the first major overhaul of Austin's land development code in 30 years:“Next to CodeNEXT, the City’s selection of a new city manager will have the single-greatest impact on the direction of our region’s future and the sustainability of Austin's housing market, so it’s critical that local community stakeholders and business leaders have the opportunity to weigh in on this important decision,” concluded Guthrie.

It didn't mention anything about rescuing me or make me think they thought I am desperate.When you get a list and tailor your message to that audience (without specifically saying anything personal) that you can get some resonance with the owner.Here's an example if you got a list of Seniors with 15+ year Ownership and Low Financial Stability Scores (FSS)This group are often ready to downsize or transition to assistance.

Possibly for another year or two.I also have the concern that when the market turns, Stockton will get hit again, there's just not enough job growth to sustain this economy. 

I went with a Commercial Load because 1) it was a 6-unit MFU and 2) the bank was assured the property would sustain the loan (The DSCR is the assurance).It's annoying to provide 'financial data' every year - - B I G deal. 

What are the advantages and disadvantages of doing this as opposed to financing.Buying with cash has one huge disadvantage - eventually you run out of it.The only way to sustain it, and it's what we do, is earn a lot of money outside RE that pays for new houses.The deals we like these days are good old owner financed.

What I didn't say was after the dinks got things all rocking and rolling in a sustainable manner, then came the empty nesters in their 50's, they made  the center of the circle bigger pushing dinks further out and higher too, lot of mid rise and condos started popping up but condos are not for everyone, the ground dwelling dinks kept creeping pushing the boundaries out further. 

Just create great sustainable housing for renters and knowing you are doing a better service than affordable government housing would. 

The down payment for conventional duplex is 15% down, you can do FHA with 3.5% down. if you start moving toward 3 and 4 unit properties, you have added guidelines on FHA, i think its called self sufficiency or self sustainability. that will change things. but if Duplex is what you're after, and a low down is the main priority, then FHA is your best move. 

When a thought, belief, or value resonates with you as you read, you will again identify more of your values in life.