s excellent answers to your question a read—they do a great job presenting the complexities of the new construction vs. existing property dilemma you posed.

What are the challenges with this and does this make managing the property vastly more complex?

I am open to all options of lending.Hi @Nolan DaltonDetermining whether a property investment qualifies for a DSCR (debt service coverage ratio) loan can be a complex process, but by following a few key steps, it can be made much simpler.Understand the DSCR requirement: In order to qualify for a DSCR loan, the property must have a DSCR of at least 1.25.

What if you have an apartment complex with 20 units?

The BRRR is one of the most complex investing strategies that exist.  

Have some more complex questions was hoping to get some help with:1.

Hi Everyone,Many years ago I had the goal of purchasing multiple investment properties and finally met it back in 2021 I am now super excited about and want to work and invest in the development of new apartment complexes or neighborhoods.Any thoughts on who to follow on X or YouTube and which development companies to reach out to that are in Austin/Houston?

As a PM and a fiduciary to my clients I use a more complex software than most self managers use and also employ a live revenue manager to scan my local area. 

Having a guarantor does add to the complexity of the situation.

I've putting my money into public markets and HYSA but once rates drop I need to re-think the HYSA.Other investors I know are doing STRs in California and OOS, partially because of the IRS loophole with STRs and being about to offset active income, some MTRs (renting out to people displaced for insurance reasons such as a fire, other reasons, not so much travel nurses like during COVID), buying an apartment complex together with 3 to 4 people, working in the real estate industry (acquisition, property management, lending, becoming an agent, etc).