Most of the "Sub-To" community members I've met on the journey are the most overzealous people in the game.

Currently, I have a weekly check in with my current contractor, but alot of time it is a chasing game.

Removing all skills from the equation, if you don't take a break from participating as a real estate investor in some way each day, you will stay far ahead of everyone else who keeps subbing themselves out and then asking to get back in when the game is already out of reach.

.🔹 Example in Action:Rental income: $9,000PITI: $9,500 → DSCR <1 (not qualifying)Using $63,000 in assets → Adds $1,045 in incomeNew DSCR >1 → Higher LTV (80% instead of 75%)🔹 Why This Matters:✅ Helps investors qualify for better financing✅ Increases borrowing power and flexibility✅ Allows you to scale your portfolio fasterUnderstanding financing tools like this can be a game-changer for investors looking to maximize opportunities.

Everybody is different, but the climate is tougher now as carriers begin to cull customers to eliminate unprofitable ones.  

I tell everyone this, New York is one of the hidden gems of investing if you know how to play the New York game.

Good luck, Its a dangerous game.

Connecting with other investors was a game-changer for me when I started.

Based on some of the previous similar threads, it seems that having a good cross-border team is a crucial step in this game.

We appreciate you giving us the opportunity to review your property.Best regards,"I replied back asking for more specifics, wondering if it is the Milwaukee market, the Wisconsin market, the multi-family market, or the property itself, and I got crickets....At the very least, I should get better customer service explaining why.