As a hard money lender, I've seen new investors underestimate these factors, leading to diminished returns or even losses.Multi-Family Properties (House Hacking): Investing in a multi-family property, especially through house hacking, can be an excellent entry point.

I have seen this before on limited scale and it worked excellently. 

I've been trying to use this formula but lost some excellent deals. 

Some lenders may still offer 10% down, but they might require strong compensating factors such as excellent credit, higher reserves, or a low debt-to-income (DTI) ratio.The requirement for 12 months of reserves is common with jumbo loans right now, especially in Southern California, where property values are high.2.

@Jack LeeTo improve deal analysis skills, use BiggerPockets Calculators, YouTube channels, podcasts, books, online communities, Excel spreadsheets, and local networking events.

I know how much of a relief it is to be able to have confidence when referring my clients to another agent out of state, and I want to build that confidence with you and provide excellent service for your clients.Please feel free to reach out to me and we can talk some more.

I'm starting out and have one investor in particular that has paid cash and had excellent outcomes thus far.

Michael makes some excellent points here.

This project reaffirmed that smart, targeted renovations deliver excellent returns without overextending.

I'm having trouble figuring out how to do this in excel.