After much research, planning, goal setting, and purchasing my first two SFR with the VA Loan while moving around duty locations with the Army, I finally took the first action step of building my multifamily portfolio with the purchase of a Duplex several months back.As I begin to build momentum with my purchases, I want to develop a "template" or rather a material list with (color / type / brand/ price / vendor) that would serve as my go to for items such as paint, types of blinds, carpet, flooring, hardware, ceiling lighting etc..

So, slowly, they under-cut each other over time until consumer offered rates fall to where they "should" be if you just think it tracks 1-to-1 with mortgage backed securities or t-notes (or whatever you believe it is "pegged" to, as if we didn't live in a capitalist society).

Aloha @David Dong,   I would contact the Hawaii DCCA - Consumer Protection Office at eight o eight five eight six two six three four to get some guidance and ensure you don't violate any Hawaii Laws in securing your property and handling the tenants deposit. 

Greater consumer protection has been achieved by Property Code Section 5.061, the SAFE Act, and Dodd-Frank, but these measures have also had the effect of raising closing costs, particularly if an RMLO intermediary agent is involved.

Obviously, we cannot account for all the twists and turns in life but if you have an idea of where you want to be in 5 years you can work back and start building short-term goals and taking action towards those goals.

I wouldn't recommend you go into real estate investment carrying consumer debt like that.

@Handel CarterA few possibilities come to mind, none of them great for you:1) complex owner wants to expand and having that piece of property will keep them within some sort of zoning rule2) complex owner wants to buy your properties and cheaply, and will begin a campaign of targeted actions to wear you down.3) slightly better: their survey (which u have every right to demand) revealed this issue and they are documenting it for any future contingencies.

If the mortality rates we 50%, then we could justify some crazy actions, but right now it is sitting just under 3% and that is without knowing the full extent of infections.I wouldn't let this keep you from progressing with your plan.

Finding the right person and having the right systems (dialer, list, call to action, follow up process, list) is key, speaking from experience. 

It could be off market because no realtor want to list it or expect action at a price?