How can a 20th-year-old approach commercial loan officers and investors to lend the money to invest in a 8 or 10-unit apartment?

This strategy can help reduce utility expenses.Mid-term and short-term rentals can have utility costs up to 10% of gross income, including electricity, water, gas, cable, lawn care, and pest control.

Chris, you’re OLD school,  save, invest, profit, reinvest.  

Start by reading the Ultimate Real Estate Investing Guide: https://www.biggerpockets.com/guides/ultimate-real-estate-investing-guide/introduction2.

However if I do a BRRRR I can achieve infinite return by extracting all of my investment.

or they just care about the house being "liveable"? 

This can help you find deals that aren’t listed publicly.Work with Real Estate Agents: Find agents who specialize in investment properties.

With election uncertainty and changing economic conditions, there is potential for further shifts in the market as we move into 2025​(Nest Realty)​(Garretts Realty).For those considering investing, it's worth noting that Louisville's rental market remains strong, particularly for multifamily properties, where rent prices have increased 5.1% year-over-year, outperforming national averages​(Nest Realty).Lot's of cool things happening in the area!

Investment Info:Office Space other investment.

The challenges stem from cautious equity investment and local opposition to these developments, which are believed to attract large families with school-age children.