I would provide the cash and backup reserves, I house hack one of the units, then she becomes the cosigner for me in order to be approved.

I'm guilty of this to a fault at times, prioritizing other peoples families over my own even..but success takes sacrifice and top real estate professionals are generally rewarded for their contributions to protecting and providing for their clients.

Sounds like a cash out refinance would be a great option.

Speak to them about their experiences and satisfaction with the firm.Look for testimonials or case studies that demonstrate successful investments and positive investor experiences.Evaluate Transparency and Communication:Assess how transparent the firm is about their operations, fees, and processes.Ensure they provide clear and regular communication about your investments, including updates on loan performance and any issues that arise.Analyze Risk Management Practices:Understand how the firm manages risk.

For my OOS rentals, they're either in places where I used to live, or where I have family... not random markets I picked solely because the median price is low and the made up cash flow based on rosy assumptions is high

I am aware of the Sewage issue and i am aware that in this high interest regime it won't be a cash flow property.

For 379k and it cash flows.

Also, if it's your first property and it's only four units, why are hiring away your cash flow right away?

Is it working only for cash buyers?

Cash for them to leave?