I'm finding that the more specific your niche is, the better....and telling people I'm a real estate agent and investor has opened many other opportunities!

While I'm more familiar with the Montana market, I'm always happy to connect and share insights or answer any specific questions you might have about this area.As for Arizona, I'm not as well-versed, but this platform is full of knowledgeable members who might be able to help.

If you have any specific concerns or questions, feel free to provide more details, and I'll do my best to assist you!

Gold Beach, Oregon specifically encourages tinies in their zoning code. 

I've had this same situation several times.I've always started with a letter upon closing sent to the tenants introducing myself and explaining (without listing any individual names or specifics) that rents were very low and given expenses,   deferred maintenance,  etc.   

Any suggestions on specific banks that may be more apt to work with me in achieving this?  

(BTW, I've created a spreadsheet to estimate the rental income required to qualify for specific properties and am happy to share it with anyone interested).After conducting some research and attending open houses, I found very few properties that meet my financial criteria within San Diego.

Specifically, I am in the process of acquiring a 5-bedroom, 5-bathroom apartment with a purchase price of $1.2 million and an ARV of $2.25 million.As I navigate through this project, I find myself encountering challenges in managing my time effectively amidst other commitments such as work and school.

On the surface, it seems like it meets a lot of broad criteria for being a positive investment, including a positive cash flow at a currently high interest rate, but I don't want to miss on my first step into this.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).