Assuming you don't plan on going back into any consumer debt again I like your plan versus barely getting by.

It is the cost of doing business.

I would never advise my customer to take a 5 YPPP considering we are have been moving into a downward trending rate market since 2024. 3 Year Prepay Max but if you plan on doing renovations or taking cash out on the ARV then a 1-2 YPPP would be Max.I would also advise buying the rate down before you decide to take a 5 YPPP using seller credit, equity or closing funds.

I would plan to long-term rent the property from day one and would never reside in the property before renting.  

Their debts have either been wiped away or dealt with through a payment plan.

i tell them all the time to find a good W2 job you like and you plan on staying with a long time. 

Thanks Ryan, now that I’m out of my busy season for work I would def love to attend.

If the house has a septic system, especially if it's an older one, it's worth the investment to have a septic inspection done.This concern is particularly relevant for those planning to buy and hold the property rather than simply fix and sell it.

Yes, im not sure about deal sourcing at least at my level because I dont make that much from the investment side of my business right now and I feel there would be a lot of training involved.

Selling now could simplify estate planning and lock in gains, especially with capital gains taxes in mind.