I am the first in my family to do REI and my goal is to break the tradition of working for a salary for 40+ yrs only to retire on what I hope will be enough to start living freely.

The process protects both their system and users against fraud and aligns with banking regulations, especially given the financial data involved in property management.

I know the 2 str units would represent a nuance to most banks but I've seen a few programs that are okay with it even on 5 + MF.  

In my land Timber days we just used bank LOC's but success in logging and creating substantial income allowed us to get those lines.

I don't mean to be a "stick in the mud", but successful SubTo is treated very differently than a bank loan investment property.I've done Subject To for a very long time, been sued over some pretty ridiculous accusations and have had to sue to clear up title.

Leverage Local ResourcesEconomic Development Grants: Check with your city or county for grants or incentives aimed at affordable housing or community improvement projects.Local Banks or Credit Unions: They may be more flexible than larger financial institutions, especially if your project aligns with community needs.Partnership with Nonprofits: Collaborate with organizations interested in affordable housing or sustainable living.4.

For future readers, many banks will offer an unsecured line of credit up to $25k.

I don't think rent to retirement can vet a deal any better than anyone else or you, they just have a bit of a system. but the new builds in Lehigh acres, Cape Coral, north port, etc are all garbage. septic systems, poor economics, low rent to purchase price ratios, you are banking on appreciation and buying at market. building direct is going to give you a competitive advantage on a 3 unit let's say worth 600,000 you are going to be 120k ahead than if you bought it through them. that's my analysis. if you are super lazy and too busy to make money and have millions to throw around then I'd recommend not thinking much about investing. but you can also invest in funds and be way omre passive than buying a new build from far away. but if you want to add real value then get involved and make it happen. getting wealthy isn't easy. you work hard for your money and there are build to rent developers like us that try to answer and add value to start buiding relationshipsl

@Laurens Van swol a few banks that we've worked with in the past allow you to close in your personal name.

There are still a few that will give you a loan but the traditional 90% of purchase price and 100% of rehab might not be possible without an exception.