I was a former trader on Wall Street and now work at a property tech startup.

Also, if there is not HOA in the community, am I allowed to make modifications on the house in the process of changing it to multi-family?

Not an expert on this but it appears YES this would be subject to UBIT and a good amount (70%).

As it was my first opportunity to get some skin in the game, I jumped on the deal and we agreed on a 5 year ballon (4% rate, amortized at 15 yrs).

Hey @Nico TerrusoWe're running Motived Seller FB ads.Generally, we're seeing great results with clients who work on their branding and authority building in the local market.

@Emmanuel Okelola Welcome and congrats on taking the beginning steps, asking for help is hard to do for so many.

There is a great group of members on here to connect with.

I came across BiggerPockets on Podcast and have not looked back since.

Hi Julio,Depending on how many properties you own/Value of said properties and your loan balance.There are some private lenders willing to blanket 2nd position loans if the LTV they are at feels safe.

A little about me:I hold a Certified General Appraiser license and have been working in corporate and commercial real estate for over 25 years.My recent focus has been on property investments and appraisal work, including commercial and residential properties, lease-to-own agreements, and broker price opinions (BPOs).I’m always looking for opportunities to expand my portfolio and knowledge in real estate, and I love analyzing market trends and valuations.I’m here to connect with other investors, share insights, and learn from the wealth of knowledge this community offers.