If you do decide to pursue a 203k, I would recommend doing a 203k streamline loan. 

With the shifted market I don’t want to bite off more than I can chew

Must be a very recent, or perhaps regional, policy shift as we have 5-6 unit properties under residential financing with CIBC and RBC  

I'd shift gears and look out of state. 

Locally most of my credit unions will not lend to an LLC therefore I would have to either by the homes outright and not get caught in a bad market shift or use my personal credentials to get lending.

While I am growing my sales business now, in the long run I could see my focus shift more towards investments and being an investor-friendly agent.Since I've made solid connections, educated myself and bought my first property I really feel like I got the boulder moving and am excited to see what the future holds.My focus now is buying multi-families in Somerset County and other nearby counties.

I recently had a shift in friends.

Not sure if I should shift my focus up there or raise the price of the properties I’m looking at or try the hard money approach.

And getting the slope exactly right and hanging it correctly so that it never shifts is not an easy thing for a first-timer to do.Something else might further complicate this issue.

@Greg Dickerson Greg I couldn’t agree more with that mindset, to be honest that’s where my mindset was and then I shifted it after seeing all these guys just crushing it virtually.