Most lenders in the commercial space don't really look at you as much as the property and the income it produce.

The right steps done repeatedly will produce the right results, period.  30 isn't "late to the game" unless you spend a lot of time of Insta and TikTok (which makes it feel like 22 is late to the game sometimes), but rather you are in a great position. 

I recently saw an article on here about Maximizing ROI on renovations, and while the article was super helpful, it got me thinking: what specific renovations have you found produce the most bang for your buck?  

Hi guys,I'm looking to make my first property purchase in PA and I'd like it to be income producing.

The first one was turnkey, I haven't had to put a dime into it yet and it is producing a monthly cash flow of $475.

If they can't produce a spreadsheet / chart of insights, quickly, then it's not going to be of great use unless you are a large entity with the funding and timeline that come with a proper machine learning operation. 

We'd like to put a portion of this down on a second, better house for us and rent our current place or buy a second home / duplex  to rent out.We would be cash positive on our current place by a very healthy margin if rented even with the cash out refi factored in.We have the opportunity to buy a duplex right now that in our conservative estimation would also be a cash positive situation if we can get the financing right.  5% down, 30 yr note would produce around $900 cash flow with conservative estimates on what each side would rent for.The problem I've run into is the first couple of lenders I've tried are saying 25% down and no more than 15 yr note which kills the deal for us. 

DSCR will look at the income the asset is producing rather than your income. 

I’ve made the move from doing deals for pure income, to a mix of income producing plus cash flow, and towards the end of 2019 I was considering how to start to mix in some wealth building activities.

Which I think the other member would not like because the valuation will more than double and at this point none of us can quickly produce the liquid cash for that