I will give you some of my highlights.People in Texas complain about their property taxes at 3% ours are about 4.5%.New York in general and Monroe county specifically are very tenant friendly.Depending  on the town, the code inspectors/police can be quite anal.Since Covid and the 2020 protests we’ve seen an increase in crime in the city and therefore weakening demand in the city proper and increasing demand for the suburbs.Industry is well diversified—University of Rochester (medicine) L3Harris (defense) xerox (IT) and paychex (software/hr)) and relatively recession proof.Population growth is low and therefore appreciation (except the past 4 years) has been moderate as well.There aren’t many builders in the area so supply is relatively fixed.Home (and rent) prices are both affordable with homes typically being less than 1/3 median household income and rent being similarly affordable.For single family homes at 8% rent will cover piti with about 100$ to spare in the A areas.

But there are also situations where the home owner passed away, and the family assumed ownership.

It will be really tough to get 100% of the cash needed on your first deal, unless it is a family member or friend. 

We have 2 multi-family properties in the Upper Peninsula of Michigan, and we just bought our first fix N flip last week.

I'd rather not ask my parents or family members to co-sign eitherSo the question is what would you do and recommend in my situation

Does anyone of any suggestions on emerging areas that would be a great place to buy something in the range of 20-40 units?

After seven months, I took another leap and purchased a single-family home, which I also converted into a short-term rental.

Investment Info:Small multi-family (2-4 units) private money loan investment.

Currently I have the ability to purchase a single family residence for a price that won't cash flow unless I add an in-law suit of sorts.

Petersburg FL) with the "low income" I'm making (around $4,200 per month) at my job, it's proving difficult to find a multi family property that I can afford with month to month tenants or with 1 vacant unit.