HOAs are unpredictable these days and can require up to 25-30% down payment when financing.

Go for LTR, and build a solid portfolio of them, STR can be unpredictable, you might not have the occupancy rate you expect...

Your strategy of investing in properties for long-term hold and waiting for more favorable refinancing rates is prudent, especially in an unpredictable market.Like you, many investors are exploring alternative methods to maintain and expand their portfolios.

Investing in RE has nothing to do with the physical structure of the property....it's a by-product of the human element...and humans are unpredictable.

Credit Unions can be more unpredictable than larger lenders, however right now there certainly shouldn't be any delay in underwriting since so few sales are going through.

Just a couple of thoughts -Keep in mind that real estate investments, especially flipping, can be unpredictable.

Market conditions can change, renovations can uncover unexpected issues, and tenants can be unpredictable.

Trying to efficiently/satisfactorily manage that many tenants using local techs for repairs and having unpredictable response times is a recipe for headaches.

In a world where the only constant is change, diversifying your investment portfolio with alternative assets could be the key to unlocking new opportunities and navigating the unpredictable journey of the financial markets.

I expected that this would be a messy, difficult, and unpredictable excursion.