I have some YouTube videos that may help with some of your questions and always happy to have a call to dive a little deeper. 1. which development(s) tends to be the best for ROI/have the best occupancy rates? 

Even though buffeted by high interest rates and spiking insurance premiums, overall prices are still rising.

Im self employed, roughly make $130k gross anually, 1099 NEC , no debt at all, 740 credit score.  Want to get a loan for $250k in AZ

The important thing to know is that you basically have to meet all of the qualification criteria for a typical commercial real estate loan from a bank -- EXCEPT for the down payment requirement. 

They offer an all in one policy, and also had a great rate compared to the others.

Or you can directly meet them by registering to real estate events around you: https://www.biggerpockets.com/forums/521-events-and-happenings 6.

However, some investors don't mind this strategy if they prefer not to put a lot of liquid in up front and plan to refi out within a few years of closing (which seems to be a great option with the talks of the FED reducing interest rates this year).It really comes down to investing in a growing market, in a good neighborhood & building a great team to support you.

I'm retired and don't want to play the, Let's have a meeting before we have the meeting.

Meeting a 20% down payment to avoid PMI seems manageable, although would take a big chunk of my liquid net worth, and I prefer this route over using an FHA loan.

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