I know all my investment mortgages prior to 08 were 6.5 to 7.5 % and that was fine.

One of the best resources I’ve spotted for honest property management feedback-beyond scanning Google-is checking local Facebook investor groups and seeing who people recommend.Anyway, Ethan, since you’ve done a bunch of data crunching: have you or anyone else revisited these numbers more recently, and if so, how have shifting mortgage rates or local employment trends changed your approach?

@Tove Fox - Residential Real Estate InvestingPros:Lower Entry Costs: Easier to get started with less capital required.High Demand: People always need homes, making demand relatively stable.Easier Financing: Mortgages are generally easier to secure with favorable terms.Simplicity: Easier to understand and manage, especially for beginners.Flexibility: You can use it as a personal residence or rent it out.Cons:Tenant Turnover: More frequent turnover leads to vacancy and more management.Lower Cash Flow: Income potential can be modest compared to commercial properties.Emotional Buyers: Residential prices can be influenced by emotions, leading to price volatility.Maintenance Burden: Landlords often deal with repairs and maintenance, which can be time-consuming.Commercial Real Estate InvestingPros:Higher Income Potential: Stronger cash flow and higher returns are common.Long-Term Leases: Tenants often sign longer leases (3-10 years), reducing vacancy risk.Professional Tenants: Business tenants tend to take better care of the property.Valuation Based on Income: Prices are based on the income the property generates, not market emotions.Shared Costs: Tenants often cover property expenses like taxes, insurance, and maintenance (via triple-net leases).Cons:High Entry Costs: Requires more capital or partnerships to get started.Complex Management: More expertise is needed; you may need a professional property manager.Economic Sensitivity: Commercial properties are more sensitive to economic conditions.Challenging Financing: Securing financing can be harder, with stricter terms and higher interest rates.Zoning and Legalities: More complex regulations compared to residential properties.Key Differences:Risk: Residential tends to be lower risk, while commercial offers higher rewards but with greater risk.Management: Residential is easier for DIY investors, while commercial properties usually require a team.Scalability: Commercial properties are easier to scale, offering more potential for significant cash flow increases.

Even paying for an audiobook will be cheaper then their scam courses. 

This way your tenants essentially pay your mortgage while you're deployed.

However, if I had started off with a house hack, I could have lower my monthly mortgage tremendously which would have helped me build up my savings at a much quicker pace than I had.

Pair the deal with a cash flowing instrument like a tbill, mortgage note, or some other form of fixed income to help yield too.

Quote from @Benjamin Finney: Chris, interesting niche on non-performing mortgages/ rtl's.

I’m approved for a mortgage and want to house hack but doesn’t feel like the opportunity is there at the moment, but I also know that’s a limiting belief.

. 🤷🏼‍♂️ Credit scores can be misleading when screening tenants, as many lack the term loans (like mortgages) that drive high scores.