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Leaning towards a home equity loan or refi as choices since I've been turn down for Helocs due to DTI ratio which i find strange.

Hey Everyone, Looking to connect with other investors, agents, appraisers and contractorsmy market is: Jacksonville, FLIf you are a beginner or senior - I want you to be my friend!

If you have any other questions or need further guidance, feel free to reach out!

Which of these areas—West End, East Atlanta Village, or East Lake—has the highest potential?

Deja, In my experience a landlord who is exiting the business or wants to flip their SFH to level up to multifamily may offer a package deal. 1.

Check with local builders they might have new inventory they want to move or turnkey rentals.

Or is there a more efficient method to do this?

the land bank they are talking about is city owned property they took back for non payment of tax's or liens etc.. its NOT Bank/lending institution you buy the land from the city land bank they may have special programs for locals that are looking for owner occ situations.. either way if you pay cash which is how most of that is sold if not all of it.. then your credit does not matter.

Don't hesitate to push back if requests seem unreasonable or start piling up.