Here’s a quick break down.I can’t get approved for a loan because my DTI is about 5% too high with the property.

Hard money loans are out there, but they expect you to have skin in the game too, and some experience.  

Adding value through improvements can increase both rent and property value.In summary, while Plano has many attractive features for real estate investors, current market conditions suggest careful consideration is needed, especially regarding cash flow.

Regular maintenance, upgrades, and amenities improvements can help retain tenants and attract new ones.

I’d be happy to do a review of your Airbnb listings and systems to see if there’s a way to improve your processes.

I’m using a conventional loan at 5% down  

@Richard Edgar doing a cash out loan on land is EXTREMELY hard...I might even say impossible...but I can't speak for every lender in the country on this though. 

I think between the last option and this one, most folks would pay the 1% + 0.25% for the lack of PPP.Commercial Mortgage Backed Security: Net worth must be equal to the loan amount, and liquidity must be 10% of the loan amount, absentee borrower is fine/normal here. 

There are also intermediate things you can do… like take a loan against the property if you needed some cash somewhere down the line.  

Another option is to find developers who want to build multifamily by 2026/2027 (assuming that there is loan inventory by then due to the difficulties in securing new construction loans).