Reduce Vacancy and Bad Debt.

If you are doing the work and labor it reduces some of the risk but to me we won’t let at that high a ltv

I noticed I had vacancy in the column twice, so I reduced both to total 8% like you suggested.

This tells me two things: Obtaining a variance will be more difficult because there are already policy considerations in place intended to reduce density & (2) There is clearly an over supply of rental units in this area otherwise the overlay would not exist. 

In this case, I can see diversifying one's "cash" position across their home country's currency, gold, commodoties, and a few cryptos to reduce the risk of inflation on their portfolio.

These strategies reduce living expenses, offer easier financing options, and are ideal for college towns, urban centers, or large employers.

I’ll sell to anyone with the down payment but most people don’t seem to have it.I guess I’m different in that regard I usually ask for 10% down.Every house I have sold in need of repairs they have fixed upI ask them how much they did it for or how they did it, their cost is 25%-50% my cost because they get the labor part for free from their community or themselvesThey are more community oriented than us white folk and really lend a hand to each otherI guess where this may be predatory is offering extremely low down payments which would also open up the buyer pool

This significantly lowers the cost per door and improves your return on investment.Scalability: A three-story walk-up design allows you to maximize your build cost and land use, just like most professional apartment developers do.Control with New Construction: Starting with a new build ensures fewer risks, as you’ll have control over the property’s condition and avoid surprises from existing structures.Pro Tip: If you do go with an existing property, make sure to thoroughly vet the deal to avoid hidden costs and issues.For first-time investors, multifamily new construction is often the best way to scale quickly, reduce costs per unit, and build a sustainable rental portfolio.

I started to change my mindset, and figure out ways to work efficiently and reduce work stress. 

Reduce Vacancy and Bad Debt.