Good points I try to target a price range basically a starter  home  that is affordable in  A,B area . 

I am still personally buying rentals but I am not expecting much in the way of cash flow at the moment.

For commercial multifamily, my personal preference is agency 10-year floating-rate debt. 

The downside will have more to do with your business personality.

@Karen SmithAs jay mentioned private lending has been around forever and it’s really not on the rise - I think it’s always been a large player in the real estate investment space for short term loans.

Private money and personal funds.

Personally, my primary residence has appreciated around 6% in market value and I live in Levittown. 

Rates will range from Prime (currently at 7.5%) to Prime + 4% (11.5%).

I learned this the hard way personally and had to get mine repaired.

With $50K and a DSCR loan, your budget will likely cap at properties in the $150K-$170K range, depending on the closing costs and any repairs needed.