Some common business models include:Retail Model: Selling products directly to consumers.Subscription Model: Offering ongoing services for a recurring fee.Freemium Model: Providing a free basic version with premium paid features.B2B and B2C Models: Business-to-business (B2B) and business-to-consumer (B2C) strategies.Choosing the right business model is essential for sustainable growth and profitability.2.

Also since it's a 4-unit it would need to meet the sustainability requirement. 

The conversation with city officials will continue as we push for zoning reforms that allow sustainable and affordable housing solutions.This win is a step forward, but there’s still work to be done!

This will be negative cash flow if using sustained maintenance /cap ex.

I claim if you properly allocate for sustained expenses this is negative cash flow. 

While it provides opportunities for buyers who may not qualify for traditional loans, it's important to ensure affordability and long-term sustainability.

Hello @Chris Atkins,To achieve and maintain financial independence, only invest in cities that meet the following requirements.Significant and Sustained Population Growth: Rental rates follow the basic principle of supply and demand.

Meanwhile, co-living models like PadSplit are winning legal battles, proving to be a sustainable, long-term housing alternative.🔹 Airbnb is Facing Increasing Restrictions:New York City has implemented strict rules requiring hosts to register and be physically present, effectively banning many short-term rentals.Dallas and Atlanta have passed zoning laws banning short-term rentals in residential areas.California cities like San Francisco and Los Angeles are ramping up enforcement with hefty fines for non-compliant listings.🔹 Co-Living is Gaining Legal Ground:Colorado eliminated all restrictions on the number of unrelated adults living together statewide as of July 1, 2024, marking a major victory for co-living advocates.This week, Jacksonville Municipal Court ruled in favor of PadSplit, voiding citations for “illegal boarding houses” on constitutional and fair housing grounds.Cities like all over like Washington D.C. are considering zoning reforms to allow more co-living developments as an answer to the housing crisis.As Airbnb restrictions tighten, co-living is emerging as a scalable and legally sound alternative that balances affordability, tenant stability, and community needs.

Ensuring your rental market can sustain these costs will help maintain profitability over time.The 7% DSCR loan is relatively high, and refinancing later at a lower rate could improve your long-term cash flow.

I believe that mindset and preparation are critical when starting a real estate portfolio, as they set the foundation for sustained success.