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Updated 11 months ago on . Most recent reply
![Dulce Davis's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/1951353/1699293016-avatar-dulced3.jpg?twic=v1/output=image/crop=834x834@0x22/cover=128x128&v=2)
Question about Lowball offers
I'm In a market with tons of other investors. Wholesalers I've met are either fast talking liars, straight up scammers, or already have a list of go to buyers. Most times the property numbers in no way calculate, and the few that would work are sold by the time I open the email/text lol. I've gotten lucky a handful of times doing lowball offers to MLS listings but it's not often enough to keep me rolling. To those who send low offers in strong investor markets; are you successful against the masses and if so, is it just a numbers game, or am I missing something? I don't have the ability to spend all the marketing dollars to get to the seller directly like the larger investors do.
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Quote from @Dulce Davis:
At 75%LTV my cash is going to deplete fast.
Consider your risk tolerance. My wife and I prefer to scale slowly but with rock solid finances so that we can sleep at night. At 75% LTV you avoid PMI and have significant equity in the property which leaves you with options. Your debt service will also be lower which helps avoid getting pinched by unexpected expenses and being forced to sell.