Plus, you'll want to create an upfront operating account of 1% to 5% of the purchase price to cover unexpected expenses before you've accumulated enough money for the $250 to $300 savings.For SFRs or smaller multifamily, as you said, it depends.

In commercial I stay busy with direct clients.

The biggest factor is not directly related to the HOA but other market factors.  

Use with caution.Self-managedIRA/401(k): Being that you've got a side business, your best option would be a Cehckbook401(k)- use it (a) to invest directly in real estate as a plan investment or (b) from which you could get a loan, as above.For helpful info:PrivateLendingIRA401(k)RealEstatePersons that are and aren't "disqualified"

Or did you pay it directly to the wholesaler?

Also depends on the job, up front cost, and schedule for completion.For large projects I typically pay the vendor directly for supplies as I don't like prepaying any labor.

@Keila RosarioDeciding on market you want to invest in is first step..Finding a good realtor will point you on right direction w lenders.If you’re looking at a conventional loan expect to put down 20-25% down, if it’s a multi and you plan to House hack you might qualify for FHA loan and downpayment will be much less..

Places that are growing, Also, I'd do a quick few hours of digging on even zillow, and get some data points of highest ratio of average rent price/average sales price of SFH.This will get you pointed in the right direction to get independently informed...

Then, you can use that knowledge to eventually syndicate your own deal, or at least take a step in the right direction.

In the state of MD, if a property sits inside an LLC on its own and the buyer buys the membership of the LLC instead of buying the property directly, there is no recordation tax.