The house that is on the property is uninhabitable and would require 200k plus renovations to get it to where you could start adding finishes.

If it can't meet the requirements it will pull data that is outside the parameters to fulfill the request.

No personal DTI is required to qualify for this loan and you may borrow up to 75% CLTV (If the property is a long term rental)

To obtain $200k worth of cash flow at current interest rates would require around $7M worth of purchased real estate in the NY metro region if they all had loans at their nascent stage. 

They require 2 years of work before my overtime can be considered 'effective income'.

This would help avoid the large down payment requirements of a rental property (20+% down) vs primary only requires 3%.

One of the key advantages of crowdfunding is its accessibility, enabling investors to participate in real estate projects with lower capital requirements compared to traditional methods.

If you don't have the required 20% in Texas, you could try lower cost markets in the mid-west like @Maz Pardhan mentioned.

Beyond that, the mid-term rent potential on the quadplex units is at the very least $1,500/unit per month once the leases are up (Mid term rentals listed today have a higher potential but would require updates to the units). 

➡️ Are all the non-renovated units in the same condition, or do some require more work than others?