(https://www.biggerpockets.com/users/pmackercher) 

I plan to continue working a full time job and want to use real estate to cover my wife's income gap so that when we have children she can raise them at home.

I currently specialize in multi-family, commercial, SBA, owner-user, and bridge lending and have done over 15 million origination this past year.

After 6 years, you will have a 6-year old rehabbed apartment...it will no longer be able to command "premium" rents over its competitors.

Barely any real users.

After having been a podcast listening, post reading, blog surfing, team finding user of BP for almost half a year, my wife and I decided it was time to use the knowledge and resources offered to start becoming do-ers.

Are there any other users out there that have dabbled with these platforms and can make a recommendation?

I was defaulting to "no points" for years and then asking the borrower for their thoughts (because there is no one size fits all), now I'm defaulting to the above and asking the borrower for their thoughts (because there is still no one size fits all -- maybe that $3000 in points will lower their P&I by $45/month, but using that same $3,000 to improve a kitchen will let the unit command $75/month more in rent). 

Remember to quote or tag users (by typing the @ symbol and the person's name after, it takes a few second but the person should pop up for you to click them and create a hyperlink) that you're replying to so they see your message.Definitely take advantage of traditional lenders while you can and rates are low.

If you can nail down the exit then you can work backwards and see if your $150,000 fee for setting up the deal is realistic.One way to test the market is for both you and your neighbor to put your units on the market at the same time and to market them together and see if you can command a premium above what they would sell for individually.