Quote from @Rich Davis: I know there have been posts regarding the ever increasing cost of insurance.  

As time goes on, I suspect that we'll probably see more deals as delinquencies increase with a worsening economy and we want to be in a position to participate if and when that happens.

Then build a life and set goals around increasing the number of perfect days you have each year, instead of decreasing them.2.

Rent roll is $12,000 and increases to $13,000 in April 2025. 

The mortgage has gotten out of hand due to property tax increases, miscalculated escrow, and an increase in my interest rate from an initial buy down, increasing from $2600/mo to $3200/mo.

In terms of feedback from our team, we’re leaning towards buttoning down the hatches, keeping rent increases low, and focusing on maximizing occupancy in our New England markets.

There is nothing illegal about Subto when it is done legally, as you infer.Actually, Due on Sale is a result of banks calling loans due back in the 70's and 80's, simply because interest rates had increased and other spurious events like that.

By the way my last local purchase was dec 2021 which was before rates started increasing (just a few months before, i had good timing - when the fed states they are going to be raising rates, it is a good idea to believe rates may go up).  

I'm considering increasing that last one as property values go up.

And lastly, I search FunishedFinder listings nearby, find comparable properties, and track the listed rent for a few months (does it increase, decrease?).