.: What does the surge in 2024 of newbies (inexperienced & making mistakes) doing creative financing purchases, mean for 2025?

Once again, this matches my personal experience that the larger, more expensive properties continue to sell better than smaller properties. 

I borrowed $30k on a personal loan from Discover for 15% with no fees for a plot of land and paid "cash" for it.

Personally, If I could pull out a HELOC, I would use it to fix and flip which will typically make sense as you shouldnt be keeping the money out for that long and you can recycle it or pay it back and build off the capital that you got from. the flip.

My 4 personal STR's are all in San Antonio did over $575k in 2024 and on track for $650k in 2025.I think you are generally looking in the right areas, but there are a few things to keep in mind:1) Stay inside of 1604. 

Did you give her written permission to store personal items outside in a common area?

So the question becomes based on their individual and personal tax situation what is the estimated tax burden they'd save? 

Would you personally intentionally go out and do this?  

Just be mindful that you can't 1031 a personal residence but it might be eligible for capital gain exclusion from section 121.

I personally do three types of lease options.