Every property goes down the assembly line and everyone has to do their job perfectly or at the end of the line the wheels fall off and the car bursts into flames. 

Here is the backstory: I started buying single-family homes in Milwaukee 15 years ago and pretty soon migrated from C into B neighborhoods ("A" would be 500k plus here) and some of my friends invest in larger MF so I thought that's the next step for me as well and started shopping for a commercial deal maybe about 50 units.The issue is that I did not want to go into the affordable housing space and assets in the quality I liked were so insanely high priced that I would have needed 40% down to meet DSCR guidelines - not to mention rehab cost to bring it up to our standards.

or doesn't (like the talking heads know the future).I look forward to a stable year in 2024, with growth according to the article below!

Getting into real estate is tough as it is, and coming up with the down payment can be extremely difficult, especially if you don't have the income to support it.

Flagstaff is beautiful, but cold in the winter with a lot of snow (it dumps and then melts & re-freezes - watch out for black ice), is mainly a college town, and is very cliquey (if you were not born and raised there, you will always be considered an outsider by the locals). 

Most aren't willing to do this, so they continue down the path of living paycheck to paycheck.  

I have 3 condos in San Diego that I'd like to refinance and take equity out of (to pay down debt).

@Kevin ChubetKevin does this STR tax strategy also applies if you acquired the property as a second home / vacation home using the 10% down loan?

I'm planning to pursue a conventional loan with 10% down payment.

There is a large scale project going down that was bought by a Fortune 200 company in my home area that will bring in thousands of jobs and will inevitable make the appreciation skyrocket.