thats why an outsized proportion end up in bankruptcy, or criminal charges for fraud file against them.my final note is that when lawsuits are filed against someone and they don't bother answering the suit and allow a default judgement to arise, then they're just waiting for most suits to be filed so they can declare bankruptcy.  

During the past three years, a healthy proportion of those transactions were motivated by the sale of property in California or Washington/Idaho or Arizona/Nevada through a 1031 Exchange for coastal homes or multi family complexes along the Oregon Coast or I5 corridor. 

In other words, the interest is paid (upfront) and financed but the borrowers payment is reduced proportionally.

.- Rental Unit: The portion of the property that was rented out does not qualify for the full exclusion but can benefit from partial exclusion based on the proportion of time you lived in the property.

Meaning the first payments are majority interest and with each subsequent payment the proportion of principal paid increases.

And what proportion of CASH purchases is sold to hedge funds, foreign investors, domestic investors, asset management firms like Black Rock and etc.?

The proportion or ratio of lenders that provide accessible financing for 8 units compared to 16 units is probably 100 to 1. 

It’s such a small compact city the only area of concern is the south side.

A DSCR is a debt service coverage ratio loan (against the new property) and effectively uses a proportion of the current or proposed rental income to qualify.

While opinions may vary, I rely on data to help drive real estate decisions and planning.Key ConsiderationsEducational Attainment: 77008 boasts higher numbers of residents with bachelor's (12,241) and master's degrees (5,739) compared to 77063.Demographics: 77063 has a higher percentage of foreign-born residents (41.02%) which typically indicates a strong rental market and with 76.86% renter-occupied versus 32.60% in 77008.Economic Factors: Median income in 77008 is $140,609 with a low unemployment rate of 3.37%, whereas 77063 shows lower median income ($51,899), higher unemployment (9.99%), and more families below the poverty level (16.51%), which may indicate economic diversity but also potential rental payment risks​​.Age Distribution: 77008 has more middle-aged residents (35-54) [8970 compared to 6,115] and a slightly higher proportion of young adults (25-34) compared to 77063 but both are popular with younger adults suggesting strong rental markets equally exist.