Having just found out when credit is pulled and the appraisal is done in the loan process, I now think we may not be in an ideal position, and potentially not in a position at all, to take out a 30 Year Loan in the coming weeks.I believe adjusting course, at least temporarily, may be the only way to continue moving forward.

@Sam Booth most investors want to see a spread of at least 30%, but this is an oversimplification because it doesn't consider important factors like: how much money you're putting down, how much the repairs will cost, how much of your time and effort the repairs will require, the appreciation potential, the cashflow potential, and a myriad of other important factors. 

This situation is especially tough for VA home buyers like myself, who may need to cover an appraisal gap of potentially $10,000 to $20,000 under the appraised value.

If any investors, realtors, wholesalers in the Columbus area has been thinking to themselves, "I have a lot of little tasks like touring properties, checking on contractors, following up with potential clients but I can't find the time to do these things".

Honestly real estate isnt cheap and had some big legal repercussions so theres going to be fear but it's about looking at your first property, the first flip, or the first time you pitched a potential investor and recognizing the courage it took to take that step.

If you're just starting and don't have time to deal with a lot of potential issues, turnkey is a great way to get the ball rolling.

So, being a passive limited partner (LP) might align better with your situation, saving you from potential liability coming from the investment or asset. 

Here are some considerations:Higher Initial Investment: Multi-family properties are generally more expensive than single-family homes, requiring a higher down payment and potentially higher financing costs.Management Complexity: Managing multiple tenants, leases, and potential tenant issues can be more complex and time-consuming.Local Market Demand: The demand for multi-family units can vary significantly by location, potentially affecting rental income and property value.If you are more interested in Class A or B properties and have a less cash flow-dependent plan, residential properties can be a simpler place to start.

I’m excited to learn from everyone here; I’ve already picked up on some priceless tidbits.In the meantime, I have come across a potential investment opportunity on a property that I wouldn’t have time to rehab.  

This can build equity and potentially increase rental income through property appreciation.Another option is to sell one or more properties to free up equity and reduce mortgage debt, which can be useful for reinvesting or diversifying investments.refinancing one or more properties to lower monthly mortgage payments and increase cash flow could also be beneficial, especially if interest rates have decreased.the best course of action depends on the clients financial goals and risk tolerance