His solution was an offer to replace the fridge and the ceiling fan.

Our house has not appreciated much since October 2022, and homes are moving very slowly in our area with frequent price cuts.

I am a big fan of it and you managed to do without with very little money down! 

Deandre,As a Banker I am not a big fan of borrowing money for the down payment unless its from family or a close friend.

This goes against the general concensus, but I'm not a big fan of borrowing money to borrow money.

@Shannon L Fogarty I’m personally a fan of working with local lenders who know all the nuances of their market and how to get deals done.

It seems to me that this would help to improve cash flow on a more frequent incremental basis rather than having to wait until a unit is fully paid off.what are your thoughts as to the pros, cons, and things to think about here?

Then told her to reverse her ceiling fan blade direction.

I'm a huge fan of the BiggerPockets main podcast as well as the Real Estate Rookie Podcast.

But since we close a lot of hard money/private money deals we do see this firm involved frequently.