The only way you can break that log jam right now is severely lowered fed rates, but the level of federal debt is such that they're in a no-win situation because there's going to be little appetite these days for buying 1% fed notes from overseas.The fed rates were kept too low for too long.

Also, plan on getting capacity for a level 2 electric vehicle charger and capacity for electric ovens/stoves and electric dryers.

I’m looking for connections with local property managers and realtors as well as for general information on the Rochester rental market, including cost-to-rent ratios, saturation levels, and regulations.

Completely renovated main level:* Demoed and redid kitchen with new appliances* Refinished floors and reglazed bathroom* Replaced the roofComplete demoed and finished the basement and landscaping* Replaced half bath with full and added 2 bedrooms* Replaced entire plumbing including sewer line* Added second washer dryer* installed stamped concrete patio and walkway plus fence* All new landscapingWhat was the outcome?

There's no right or wrong way to do this, just varying levels of risk and the only proper route is the one you understand. 

This range often lacks economies of scale and doesn’t attract institutional-level investors.

What level of engagement do I really want with my properties?

Ask them about neighborhoods and get details at a street level.

Like someone else said, your RE licensure exam is going to touch on creative financing in a very surface level way, if at all.

Ultimately, your decision should align with your comfort level regarding your finances, personal needs, and the housing market outlook.