That’s the power of leverage.

Are you focusing on adding them in the general PHX area? 

Prices remain relatively low, but appreciation may be slower.Monroe: A mix of cash flow and appreciation potential, Monroe has become a popular choice for investors, especially in areas where new developments are popping up.Appreciation-Focused NeighborhoodsBallantyne: A well-established area with high demand, Ballantyne offers excellent long-term appreciation potential, though cash flow opportunities may be limited.South End: A booming urban hub with a vibrant retail and restaurant scene.

We’re deep into long-distance or remote investing ourselves, but we’re focused on rural southeast US—think rural Georgia, Alabama, Carolinas.

Many of my landlords saw income increases after hiring me because I brought them up to market rates.Time & Stress Savings for Investors: A PM will handle the work so your time is free to focus on family, hobbies, growing your portfolio, etc.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

Private Money or Hard Money LoanHow it works: Short-term loans from private or hard money lenders to purchase the lot and finance the construction.Benefits: Easier approval and faster processing, focusing on the property value rather than your income.Downside: Higher interest rates and shorter loan terms (typically 6-18 months).

Are there certain areas of town or types of properties you want to focus on?

Our underwriting focuses primarily on the property's return on investment and/or cash flow, rather than personal financial details.

DSCR (Debt Service Coverage Ratio) loans generally focus on the property's ability to generate enough rental income to cover the debt payment.