@Jonathan Garcia, before COVID my market was ripe with properties exactly as you are describing and the lending options were limited because of the minimum loan amounts many lenders had.

I am not in a hurry.These are the options on the table right now:1) Buy a duplex or four-flex - would probably be out of state, and need to get a property manager2) DST investments3) Syndication investmentsFriends who already have investments are advising #1 may not be worth the trouble since I'm not looking to invest a lot of time managing.

Looking for deals out of state may not be a bad idea, although I would not recommend it for a new investor unless you have good knowledge and have had time to study the market you want to invest in.Another option is to tweak your strategy a bit, and instead of looking just at the cash flow, you look more at appreciation, which brings me to your comment about having missed the boat.

Especially when it comes to creative finance strategies, doing SubTos, Lease Options, Wraps, Foreclosures, Wholesaling, etc.

Consider the simpler option of the standard mileage deduction—a fixed rate per mile for business purposes, regardless of the car's value.

@Casey AdamsReach out to @John Mocker and try an independent broker to get a couple different P&C options your pain is universal lots of losses for carriers and someone has to pay 

Other option is find a partner who will contribute the cash and you can use dual incomes to qualify for the mortgage.  

I am hoping there are better ways to acquire a property then doing this, willing to hear any suggestions.I will be meeting with someone in my area later this week and discuss all options that may be available to us in our local area for now, in regards to our current situation, financing options, and properties in the area.

Would love to connect and discuss what options look like for a 4 unit DSCR 30 year fixed 

Like some Guru's say you dont need hundreds of units in some expensive markets like ours in the PNW you only need a few free and clear SFR's (build multiple ADU's) or MFR's (or low leverage/free clear close to) in order to reach your financial freedom metrics.There are local lenders who can give you options even past 10+ fannie/freddie products not just relying on private capital from DSCR or non QM products (these are an option too) however there are pros and cons.Id say the benefits of the DSCR product line is that some of them can go up to 25+ financed properties while some DSCR lenders can only go 4-10 or 15 tops.