My wife's is in the high 700s. 

My network of private money lenders do get high returns, but it is not without a lot of due diligence and structuring.

However, these brackets are frequently pulled off by guests, leading to high maintenance costs.

I'm personally looking at the 2-4 space right now as I think there should be good opportunity there to make the numbers work in high-value markets

They want to send me to the commercial loan department where the rates are awful, closing costs are high, and the requirements much more robust.What if I just get a second-home construction to permanent loan, wait 12-16 months for it to be built, spend another 90-120 days furnishing it, and then refinance into a traditional 30 year fixed as an investment property?

I’d definitely offer with an inspection contingency.ARV on a good quality rehab is 175k+, with some really solid comps to back that up. 

One of our tenants had a higher water bill due to the leak that has happened because of water heater failure. Who is responsible for the water bill according to NC Landlord Tenant laws. Is it Landlord or tenant? 

The downsides can include high minimum investments ($50K+) and just learning how to vet syndicators, but you can knock out both by joining a real estate investment club.

Too many dangers if it is in a high crime area in the sense of vandalism, theft, etc. 

Here in the Reno, NV market multifamily prices are very high so it would be better to buy single family.