Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

I will be lowering the asking price and seeing if that will help in the sale of these properties.

In the winter the gas bill is a lot higher due to heating, but electric is lower.

Lower the price2.

The lower rate or longer term can also make the payment more affordable. 

Get a nice downpayment (lower LTV better)Hope this helps

As sellers realize that buyers cannot pay the same price for the same income stream as before due to the higher rates dampening overall buyer returns over that 6-month market cycle, sellers will eventually transact at lower prices, making it more apparent to sellers where the current market pricing is.

Since I have a fixed-rate mortgage, I understand this wouldn’t lower my monthly payment but would shorten the loan term by reducing the principal faster.

By accelerating your depreciation schedules, you reduce your taxable income which in turn increases your operating cash flow.

I really wanted to try finding a duplex that i could immediately rent out the lower half rather then buy a SFH and have a higher mortgage overallHow did you find this deal and how did you negotiate it?