Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

Or you have to take a value add approach to make it worth the hassle. 

I’ve worked with investors who faced similar permit issues, and what worked for them was approaching the local municipality with transparency.

Would this be more in line with the "gifting" approach? 

Here’s how they approached it:1.Scraping Listings: They used web scraping tools like Beautiful Soup and GPT APIs to scan Airbnb for properties in their target areas.2.Image Analysis: They trained an AI model to analyse listing photos, identifying homes with solid potential (good structure, layout, location) that were undervalued due to low-quality photos.

You're in charge of this hands-on approach.

Both approaches fail because they forget the most important part of the deal: EMOTIONS.

My wife and I have overhauled our personal budget to reflect the 'pay yourself first' approach (allocate in order: income comes in -> invest -> donate -> fixed expenses -> variable expenses -> fun $$).We are looking to see what experienced people generally recommend for a holding tank for that 'invest' allocation while we target our first real estate deal.What financial vehicles have you guys used that works well for this?

The quickest way to get a buyer immediately is to list well under market on MLS.

More importantly, does anyone have an outlet that will appraise the property off of an income-based approach appraisal and not sales comparisons?