Quote from @Justin Lee Taylor: Can I buy a 77 door single family portfolio sub to and then do a cash out refinance 1 year later? 

Hey @Justin Williams,I'll start by saying even the most flexible loan scenarios will look at credit. how it relates to the loan process, however, will differ depending on which loan type you go with. my gut punch reaction in this is that your credit score is more about limiting your LTV due to the subject prperty being a multi-family, or potentially driving the rate up so that you no longer qualify (rates are higher on MF than on SFR typically)....it also could be about how your lender is calculating (or not calculating) the rental income coming from the different units.

In 2023, I did 18 transactions(Top 500 of ~15,000 agents), and manage 13 rental properties for other individuals.As an Individual, I also own 5 additional rental properties that I also self manage.The reason I would like REPS is because Ive got about 200k in passive losses(100k just in 2023 as I fully remodeled one of the rentals and partial reno of another) I would like to apply towards our household W2 income(600k) Overall, I feel like I could definitely qualify but I definitely lack detailed time log of all activities.

I always add the following in attorney review just in case people think it is a waiver: "Any references to "as-is" or "informational purposes" in the Contract or any riders shall neither void nor limit any rights relating to inspection contingencies, including Paragraph 16 of the Contract, and final walk-through."

@Justin Anderson a proven developer is definitely something I hope to find.

Quote from @Justin Bailey: So 2 years ago I used a HELOC from my personal home to purchase the 20% down a rental property.

And then someone like me who even though I have not sold real estate per se in 15 years keeps my license in CA active just in case :) and when I finish my building career and hand over my funding business full time to next in line..

Hey Justin, right now Lennar Mortgage is offering Closing Cost Asst., Free Interest Rate Buy Down, Paid OTP and no origination fee. 

Quote from @Justin Summers: Just so many questions and variables.. most of which have been addressed.

Hello Justin, Hard money may be a good option.