@Nathan McnabbWhat would happen if the homes values decreases or needs major repairs and you cannot pay your parents back the $40kTo me seems like you are over leveraging yourself.

I wouldn't necessarily say that this shift is here to stay, but we definitely have to make some changes to our acquisition process to accommodate creative deals and novations.This shift is due to the saturation of the major markets, resulting in newcomers in the business offering too much for properties and not delivering on those promises, realtors promising too much for listings only to have them heavily decreased or canceled six months later, and the small increase in supply that we have experienced since the beginning of the year.But yes!

If the Fed does what is expected your indexed rates should start to decrease on these productsI always prefer local over Mega especially if you need financing in the future a relationship is more  valuable than shaving a couple bps @Kyle Kline

If these repairs are left to the tenants and they fail to carry them out, it could potentially lead to a decrease in your property’s value.Here are a few:Structural Repairs: This includes repairs to the walls, roof, and foundation of the property.Plumbing: Any issues with the property’s plumbing system, such as leaks or blockages, are usually the landlord’s responsibility.Electrical Systems: This includes wiring, circuit breakers, and outlets.

I keep a little 7.5 cu ft fridge and offer to have my handy man deliver it the same day a tenant reports a fridge out. https://www.amazon.com/RCA-RFR725-Apartment-Refrigerator-Sta...I have our appliance guy out if it's a newer appliance or I go appliance shopping if it older than 7-8 years old.If tenants want other additional compensation, I tell them that it's not my job as the landlord to protect them from every inconvenience; we will provided a compact fridge for temporary use on request and promptly schedule a repair and replacement and they should contact their renters insurance to determine if any additional benefits are available.

I could have decreased my LTV to something like 58% instead of 75%, but then I would have left 10s of thousands in the deal just to break even, which isn't a good COCROI.

But If appreciation is 10% then I may go with 30Y.Also 30YFRM give flexibility because you can always pay like it is 15 years, and second, as the value of the money is decreasing, then.....it's always good to go with longer duration as money going to be cheaper but would create more value in the future in term of wealth creation.Having said that, at most of the time, the longer the duration would be better ....better inflationbetter risk/rewardI am almost about to say I could buy house for the reason of we are having 30Y fixed rate.

Is it at 6.75% due to a rate buy down or some temporary measure?

I don't like any wired system if it's temporary use only. 

I cannot express enough how much time this road will save for drivers, and the amount of congestion it will decrease in areas that see a lot of through traffic.