Haven't had much luck calling around so far.CLTV - Maximum 90% - We calculate your combined-loan-to-value ratio like this. 1st lien mortgage balance + home improvement loan balance divided by "as-is” appraised value + 75% of contract total.Thanks!

Strategies that I've considered are: Conventional 20% down on small multifamily properties until I run out of financing, paying "cash" (using invisible cash, HELOC, retirement funds, or a combination thereof) and re/financing, and/or getting an FHA 3.5% down on a small multifamily property, but I think the order in which I do this can be optimized as doing some will lock out others. 

@Patricia Vildozo It's a combination of the comments on here.  

203k Benefits to Buyers/Borrowers (not all inclusive) Renovate home with little/no additional out-of-pocket expenseLow down payment (3.5%)Combine purchase/refinance + rehab funds into one low-interest, tax-deductible mortgage which is based on the improved appraised valueInclude mortgage payments into 203k if home is not livable during renovationsSubmit a strong purchase offer if presented properly to sellerBuyers face less competition from other buyers to purchase fixer-uppers, foreclosures or older homes that are outdated Better opportunities for "good deals" on home purchases Ability to purchase properties that may not meet FHA standards and complete the repairs/improvements AFTER the home is purchased.

It should be SEO friendly and high-converting. 

From what I see right now is that people trying to sell there are just now slowly finding out they are screwed with Pritzker as governor and light foot as mayor they combined have ruined the state and city way worse then it already was.

Everything, all the incomes combined...I googled it and it says that its on a line 22 of 1040 form, but somehow that line is empty (I did my taxes through turbotax)2) That total income is going to be always more than MAGI (modified adjusted gross income), right?

Right away I’m thinking of all the possibilities, heloc on one of his houses, seller finance if he’s looking to get rid of one, combine hard Money with his money, etc.

@Raul Ramirez:I'd bump Vacancy to 8% for MFR.I prefer 15% combined for Repairs and CapEx.

Social Media, SEO, Direct Mail, Cold Calling, etc.) have you found to be most successful in your virtual wholesaling business?