A couple of thoughts that might help.I recast a loan at a point where I had paid enough extra to allow recast (I think it was $5k over).

@Tori Roy A couple red flags I noticed with this company that you posted. 

Yeah @Kent Fang ching, you detailed a couple of the strategy actions we are doing for clients right now in MN. 

It takes longer to realize, but the gain is worth so much more than a couple hundred dollars of cash flow a month.

Now you might be like Joe, know rents for a couple of neighborhoods and can quickly estimate expected cash flow from properties pretty quickly (that's what I do as well) but you still need a screening rule so you invest minimal times on properties you will never put an offer in on. 

I’m a couple hours north of Boston but there’s always tons of people looking to move so a longer vacancy or having to lower my rent prices is not even a consideration.

There are a couple of $100K lots available, and I’m trying to think of alllll of the possibilities.

I’m also from the US so I follow that market and am soon to be involved with a couple of exciting projects in Seattle & San Diego

two things I have learned.  1,200 is a sweet spot for demand, and if you do have a large unit of 2,500 get a couple of them zoned for auto. 

I've largely stayed away from the "sub-to" buz word, but I have done a couple sub-to flips knowing that I only needed to hold onto them a couple months and I was prepared to pay off the notes if they were called.Sub-to for long-term hold on the other hand has me nervous.