This is for the long-game investors — the ones building cashflow and legacy through rentals. Inside we’ll talk about: How to analyze duplexes, triplexes, and fourplexes 🔍 Creative financing strategies 💡 Systems for management and scaling 📈 How to leverage equity to grow faster 🔑 The goal? To help you build financial freedom one property at a time. 👉 Start by introducing yourself and sharing: What’s your buy-and-hold goal over the next 12 months?

Yesterday I picked up the phone and called a few owners of multifamily properties here in Clackamas County… and you’d be surprised how willing some of these people are to talk if you approach them the right way. Here’s what worked for me: 👉 I led with genuine admiration: “I see you own a 5-unit / 20-unit / 39-unit… that’s amazing. I’d love to learn how you did that.” 👉 I expressed curiosity and respect for their journey instead of trying to pitch anything. 👉 I positioned myself as someone local and willing to serve: “If you ever need contractors, help, or anything at all—I’d love to be in your circle.” The result? ✅ Two conversations that each lasted ~30 minutes. ✅ One owner even told me I was “charming and funny.” ✅ I now have genuine rapport with people who own the exact type of assets I want to own. Will one of them sell me a deal tomorrow? Probably not. But maybe they’ll sell someday. Maybe they’ll refer me. Maybe they’ll introduce me to another investor. The real win is this: when you’re serious about multifamily, don’t just scroll listings. Reach out directly to the people already doing it. Express admiration, ask good questions, and start building long-term relationships. That’s how doors open. 🚪 Who else here has had a good conversation with a multifamily owner lately?

When I first started looking into small multifamily, I had the same question a lot of new investors ask: what actually makes sense financially? 👉 Duplexes: I ran the numbers over and over. If I lived in one side, sure—I could break even or maybe match what I was already spending on living expenses. But once I moved out? The cash flow was almost non-existent. Barely worth the hassle. 👉 Triplexes: I thought, maybe a triplex is the sweet spot? Honestly, they always felt oddly priced and the deals just didn’t pencil for me. Probably my own bias, but nothing stood out as worth pursuing. 👉 Fourplexes: Then I asked my lender a simple but important question: What’s the max number of units I can buy on a standard 30-year fixed loan? Answer: Four. Anything above that kicks you into commercial financing, which is a whole different game—usually less favorable for smaller investors. So I crunched the numbers. If each unit could rent at $1,500, that’s $6,000/month gross income. Suddenly, deals started to appear where the math actually worked. Enough to cover the mortgage, expenses, and still leave positive cash flow. 📈 That’s why I skipped duplexes and triplexes, and went straight into fourplexes. Today I own two of them and I’m on the hunt for more. --- ✅ Takeaway: Sometimes the best move isn’t the “starter” property everyone says to buy. It’s about running the numbers, understanding financing, and positioning yourself where the cash flow actually makes sense. 💬 What about you? Have you looked into small multifamily? Do you think fourplexes are the sweet spot— or would you go bigger?

Here’s the detailed breakdown of the top HELOC options for investors, now including Loan‑to‑Value (LTV or CLTV), average interest rates, and draw periods wherever available: --- 1. Quorum Federal Credit Union – Investment HELOC LTV / CLTV: Up to 95% combined LTV for second‑lien HELOCs in select states. First‑lien HELOCs offer up to 90% max LTV. Interest Rates: Variable rate based on Prime index plus margin. Floor APR around 4.95%, ceiling at 18%. Rate discounts available (e.g., checking account or CD balances) . Draw Period: No specific required draw at closing, and typical HELOC structure—likely a standard 10‑year draw followed by repayment—but exact draw duration isn’t stated. --- 2. PNC Bank – Choice HELOC (Investor Option) LTV / CLTV: Not explicitly stated in sources; likely conventional ~80‑90%, with variations based on credit and property. Interest Rates: APR ranges from approximately 8.68% to 16.35%, variable or fixed. Discounts include 0.25% for autopay or early months. Draw Period: 10 years. --- 3. PenFed Credit Union (Specific LTV, rates, draw period data for investors not found in sources; falls back on prior ranking) LTV / CLTV: Not available in reviewed sources. Interest Rates: Rates generally start around 7.625% but may vary. Draw Period: Not specified in available sources. --- 4. Connexus Credit Union (Again, details limited in sources) LTV / CLTV: Not listed. Interest Rates: Not specified. Draw Period: Not specified. --- 5. National Banks (Wells Fargo, BofA, U.S. Bank, etc.) (General category—individual specifics vary by bank) LTV / CLTV: Typically limited to standard 80–90%; stricter for investment properties. Interest Rates: Not specified here; usually higher for non-owner-occupied properties. Draw Period: Generally around 10 years, but depends on each bank. --- Summary Table Lender / Option LTV / CLTV Interest Rate (APR) Draw Period Quorum FCU – Investment HELOC Up to 95% (2nd lien); 90% (1st lien) Floor ~4.95%, ceiling 18%, Prime-based Standard (~10 yr; not explicitly stated)

My Experience with TenantCloud (and a Look at TurboTenant Too) I've been using TenantCloud to manage my rental properties, and it’s proven to be a fairly affordable, all-in-one solution. I can't recall the exact pricing, but here's what I found: Starter Plan: ~$16.50/month if billed annually (or ~$18/month month-to-month) Growth Plan: ~$32.10/month (annual billing) Pro Plan: ~$55/month (annual billing) Business Plan: Custom pricing for larger portfolios These include powerful features like online rent payments, maintenance tracking, tenant messaging, inspections, bank reconciliation, owner portals, and more. What I appreciate most is the seamless rent collection, fully cloud-based access, maintenance requests, and messaging—all in one place. It’s an efficient platform for managing multiple units without juggling spreadsheets or multiple tools. I've also heard good things about TurboTenant, another popular option among landlords. Here's a quick comparison: Tool Pricing Highlights TenantCloud From ~$16.50/mo to $55+ (annual) Full suite: rent, apps, inspections, reporting, portals, reconciliation TurboTenant Free basic; $12.42/mo for Premium Free tier covers listing, screening, rent, etc.; Premium adds advanced docs, income verification, faster payouts TurboTenant might be better if you're just starting out and need a robust free option—or if you want premium perks like unlimited e‑signature s and waived ACH fees.