Energy Savings and Cash FlowAnnual Savings: Chicago’s electricity rates average around $0.14 per kWh.

.- **Run the Numbers**: Use the BiggerPockets calculators to see how different loan options will affect your cash flow and overall investment.If you have more questions or need further guidance, feel free to ask.

Any advice about how to find a list of deals?

I mean from JPM&C side, the buyer/winning bid in the first auction?

Do you want someone who's going to focus on constant cash flow, or focus on long term tenants with less turnover?

I am quite new and inexperienced when it comes to this type of investing and so I am trying to find my niche. 

@Lotus EliI find myself asking if he is really positioned to do real estate investing?  

It's not impossible to get financing, but they will require more of a cash, injection from you and they won't be as agressive with the terms.

While building your credit, here’s what to focus on:Learn: Keep reading, connect with others, and maybe find a mentor.Save: Build up your down payment and reserves.Network: Start relationships with agents, lenders, and investors.House Hack: Consider living in a multi-unit and renting out the rest to keep costs low.You’re in a great spot—take your time, and good luck!

Do I need to find deals that pencil to 20+%?