@Jeremy Lee if you know the product you need but just need it in a specific state try posting in that state forum.

I understand that this question is more philosophical in nature than investment related; hence why I've posted under the "off topic" umbrella.

@Tom TomásThere are two loan products that could potentially fit your needs.

It's hard to keep nature at bay when we live in natural environments.With that being said, I did take care of the pigeons ASAP. 

Most product is 2 to 4 units residential duplexes to quad's or much larger properties.In AZ some people are putting up non-refundable earnest money of six to seven figures depending on the deals.You will have to put in the time and make tons of calls.

If there is currently a loan on the property, you should be able to rate term refi for a much higher LTV than the cash out limitation you cited.If you did it with cash, find a hard money lender that will give you a short term cash out type product and then once you have the lien recorded you can rate term refi it as above.Selling or leaving money in the deal is an option in either scenario.

- Neil Degrasse Tyson I would rather know the truth about nature, power and how people are using these "tools" in order to recognize it when I face a similar situation."

I ended up turning one of my units into an AirBnB during the pandemic because I couldn't rent it out even after dropping rent $200.I still think if you have a nice product in a nicer area like Wicker Park you should be able to get it rented....really timing is everything and sometimes you are luckier than others.

Once the construction near BART station completes which is one of the last construction residential projects in Dublin and if the mortgage rates remain low - we will see appreciation in the market due to natural supply/demand economics.

Are you hooked up to natural gas?