Check out Tower Credit Union as one option for 100% loan to value. 

I did all of mine several months ago as they are single member LLC;s and I already have to go through fingerprinting, background checks for my NMLS license as well as audited financials for our fund.

Hi, you seem like a potentially good candidate for DSCR Loans, a loan product that was essentially designed for exactly this - investors that want to build a portfolio relatively quickly and not be slowed down by DTI requirements or other hassles from conventional options.Would be glad to help, also check out this 12-part series published here on BP on everything you would ever want to know on this loan option!

I'll definitely check out Set For Life by Scott Trench and The Total Money Makeover by Dave Ramsey for more financial insights.Watching BiggerPockets podcasts and networking with local investors are great suggestions.

Go check and see what others are charging.I guess I have to ask what does it offer that would make people want to stay there?

Quote from @Jay Hinrichs: Oregon finally passed legislation to reel in unlicensed wholesaling its in this months publication from the state RE agency.Highlights:Goes into effect  July 1 2025Requires:On line application to become a licensed wholesaler  ( RE agents exempt from this of course they already have licenses)Name of company and individuals who will be performing these services.Each one needs a full criminal background check and approval prior to receiving the license.300.00 annual fee for the license.Written Disclosures in Bold 10 point.These must be given to Buyer and Sellers prior to entering into a wholesale contract and signed for.Also RE brokers assisting wholesalers need to give these to potential buyers and sellers.

If you can’t find something with significantly better returns, holding might be your best option.Alternative to sellingIf you’re hesitant to sell but want to improve returns, check if the current rent is at market rate.

The last time I checked, they said Airbnb decide this category and I cannot request it. good luck it will be incredible boost. 

The first thing prior to this would be to verify this is a good tenant, check the lease, and confirm with the owner with a payment ledger that they have been paying on time since they have been there. 

Appreciate the feedback, checked out your post and yeah I've had similar with roommates in the past.