If I was confident in being able to make 10%+ return in real estate(Cash Flow + Appreciation), then yes.I don't know if I would do it now since i am not sure I can make a 10%+ return in real estate given where interest rates are.The reason I suggest 10% is because the stock market on average makes 8% annually.The 2% annual difference will pay for the penalty over several years. 

I want to feel more confident in my numbers and wanted to check with everyone and ask what strategies and software you use for calculating ARV based off of comps.

.- Make about $65,000 a year before taxes (confident I will be making six figures in the next 2-3 years).- I work anywhere from 50-60 hours a week (I work in video production).- I would have roughly 35-40 hours a week available to dedicate to progressing my real estate journey.For me, the big appeal of being an investor in syndication deals is that it is not as time intensive as other real estate ventures, so I can focus more time into progressing my career in video production and growing my income there.

Many speculative investors with over confident numbers purchased short terms rentals in Hot Spots near national parks based on the returns of a short term rental.

Investment Info:

Single-family residence buy & hold investment in Cape Coral.

Purchase price: $175,000

Cash invested: $34,000

Sale price: $750,000

Single family Vacation rental direct sail bo...

Investment Info:

Single-family residence buy & hold investment.

Purchase price: $175,000

Cash invested: $34,000

Sale price: $750,000

Single family Vacation rental direct sail boat access. Pu...

In real estate (and life), the "under promise and over deliver" principle is crucial for building trust and fostering long-term relationships.

Check your local state laws, and if you're not sure/confident def talk to an attorney

I was overly confident, and then the market changed. 

If you're confident that you'll be able to obtain a lower rate in 6-18 months as rates fall, opt for the smallest prepayment and points option that you can find.