They have been great tenants - always paying on time (even through COVID) and treat the home well - but I could probably reasonably charge $2500 in rent for the home if I were to newly list it today.

New investor with newly acquired 3 duplexes that are all renting below market.

Put in the effort, build relationships, prove your value, and improve your odds of finding someone to help launch you on your path.

But it your doing LTV loans with little skin in the game.. then your not going to be in bizz long if the borrowers are not vetted properly.So your correct when newbies think they can get 100% financing,, they may in some markets but not with a lender on the west coast that has any amount of sophistication they have to many experienced people to lend to without taking the risk on a newbie.Newbies need friends and family to launch there empires..

hello, we moved into our newly built home in November 2022. we’ve had our sump pump running every day and water coming out every minute of every day. we had the builders come out and they decided to run a pipe to the road because we now have a small pond between our homes.

It is a newly renovated single-family 5/2.5 with a basement 1/1 apartment!

Note that any manner of things (wrap sale with newly recorded deed, water bills, change on insurance, POA with lender, etc.) will put the lender on notice of the sale.

Guess how many people paid for that using their newly raised credit limits? 

Properties are newly built, or renovated, leased & professionally managed. 

Elsewhere I found a reference to BORSA (Business Owner Retirement Savings Account), which apparently does what I wanted to do. they've been doing this since 2002 and claim to be very conservative from IRS regulations perspective; sounded legit to me but complicated.They setup a C-corp which establishes it's own 401(k) plan, your retirement 401(k) is rolled into the new one, and your newly established 401(k) invests in shares of the C-corp.It's not inexpensive to setup the legal entities, and the annual IRS 5500 filing would require asset valuations, which for my desired real estate holdings would mean an appraisal every year on top of their costs.So looks like it's doable but perhaps not very practical for my use-case