Tell buyer, 1) I don’t have funds required to close. 2) you can raise your offer to the amount needed to pay off both debts or walk away. 3) it’s going to auction in 2 months.

And in reality, while I have never had to test the strength of my LLC, if you are being sued, any half decent attorney will try to pierce your corporate veil anyways and try to get to you personally anyways.  

In 2020 I bought my first house 3 bedroom 1 bathroom and a 2 car detached garage for $175,000 and put a 10k downpayment on it and interest rate was 3.5%, in 2023 I decided to rent it out for $1350 mortage was $1106.62, in 2024 we raised the rent to $1450 and our mortage currently is $1144.76- I never put into account repair expenses, Capex, vacency until I read on rental investment properies book.

Estimates are great, but I will often do multiple estimates of the same thing to stress-test the deal.

You fail that test as well. 

Raise her rent 100% of the allowable each year.

Does anyone have experience handling raising under market rent?  

Sometimes, it's just better marketing (aerial photos, standard photos, survey) and sometimes it's doing perc tests and getting it build-read for a developer.I hope that helps.

This approach can work for those with strong deal potential but raises questions about leverage, risk management, and lender flexibility.What are your experiences with 100% financing or gap funding strategies?

I’m testing a lot of different strategies right now, so I’ll see what sticks!