We are on forbearance for our home until the end of my Americorps position (I applied to the 10 month Americorps program when the restaurant I was working for shut down for COVID, I earn a small stipend now....) so I don't know if 'buying our second property' should be my goal.Here is what I know: I want to focus on value-add buy-and-hold investments for the primary focus of providing affordable housing.                                

Viraj,There is an Insurance program that offers a Stand-Alone Personal Umbrella policy that will do up to 40 units (3 family = 3 units).  

I paid $5 for a subscription to join the Northeast Alabama Bicycle Association to get my card and then once they gave me the credit card I simply cancelled my bike membership since the subscription is otherwise a monthly cost. 

I currently manage about 115 SEC 8 tenants and love the program, but you do need to learn the HUD rules so you can use them to your advantage.  

I did nights and weekends over about 3 months but was still waiting on the RE Commission's approval to take the test for yet another 3 months after I finished the prep course.Once licensed and joining a brokerage you'll be required to invest about $1500 more in MLS membership fees, NAR membership fees, lockbox code fees, office fees, just a long long list of fees that will feel like a swarm of mosquitoes attacking your checking account, and for a student I guarantee that won't be a good feeling.Starting out as a realtor will be overwhelming, confusing, discouraging, and quite frankly flirting with buyer's remorse about having gotten into the field to begin with. 

I understand they're each independently owned and am curious how it works when multiple MLS systems exist within one county- Do they each only cover a portion of the county, do you need a membership to each one to have access to all listings within that county, etc.?

BP what are the best tools/programs to get more deals?

Can upgrading to a BP pro membership be considered a business expense being it grants access to tools to help find and analyze more properties?  

I have hired gurus, coaches, programs, and spent a boat load of money. 

Review and re-negotiate utilitiesAnalyze insurance policiesFind new tenants such as 5G Rooftop LeasingDiscuss loan payment deferral options with lendersRepurpose all or a portion of your building / propertyExtend tax returns to SeptemberAppeal increases in property taxes or negotiate lowering or deferring payments for current property taxesAssist current tenants and educate them on funding programs available to themRefinance any existing loansSearch for new income sourcesDiscuss deferral of insurance payments or partial payments with your insurance providerResearch Funding Assistance in the Chambers of Commerce guidesDefer the employer’s share of Social Security payroll taxTake advantage of higher interest deductions Utilize active lossesApply cost segregation utilizing the new CARES tax laws and amend up to 5 years of previous tax returns to potentially receive refundsI hope these tips were helpful and if you have any questions at all, feel free to reach out!