Good morning @Cosmo DePintoHuntsville is an exceptional market where I’ve personally seen investors’ portfolios thrive.

.• I purchased a small 1B/1Ba condominium in a high rise building in 2004 for personal use.• In 2010, I moved out and decided to put in in service as a rental unit.• I was able to keep it well occupied and leased throughout 2024.• I sold the condo unit in late 2024 for a nominal profit.That brings us to today. 

I personally know of top 1% Airbnb homeowners that are flushed.

Although the journey has been worth it, I've sacrificed quite a bit from a personal lifestyle perspective, relationships, etc.

Find someone where there is a personal connection and at some point your relationship now or later can benefit the mentor.

They not only went to our office, but also the personal residences of myself and Kevin Bupp.

I have two phones, one for business and one for personal.

but i also 2nd @Jay Hurst's sentiments - get a 2nd or even 3rd opinion on DTI/ full doc. i personally love files that are puzzles, i get some weird satisfaction out of figuring out how to make it work on full-doc, especially when my client has been told "no" before. if it doesn't work now, a good loan professional will help you create a path forward.

Congratulations on the duplex -My investor clients have acquired several multi-family investment properties locally in the market I operate in Northwest Indiana - Figure out your personal investment objective for the next 4 years and align yourself with the next property that make sense in this current market environment-

I mean I got financially wiped out personally..