It is much more efficient to spend some time up front to really understand the market.

A base hit with virtually no risk is a fine place to start.  

If there is a PPP the lender will hit you for the year you land on the PPP term.

They don't believe your numbers or that you'll be capable of hitting them.

The recalibration of reserve studies to account for these increases is inevitable, and unfortunately, this will likely lead to higher dues or special assessments, which can hit both residents on fixed incomes and investors hard.

Here's a little bit of history:                                                                                    In the first half of the 20th Century Waco was a booming city on it's way to be just as large of a city as Austin or even Dallas, but in 1957 a catastrophic tornado hit Waco, destroying it's entire downtown area.

@Albert Bui @Carlos Valencia There is no offset when you live in the 2-4 unit remember its a full HIt to your monthly PITIA and yes you can use the rental income but only as an addition to your qualifying income, you're still taking a FULL hit on the PITIA.Its only offset when you vacate or move out or it has already been converted to a rental (pure investment/non owner property). 

Loan to value ratio: The higher the loan to value ratio (LTV) is, pricing takes a hit.

So we took hits on the sale, though they were great rentals.

We're now dancing around the 6000 total single family homes available which swings up as the weekends approach and new homes hit the market and retract below 6000 homes after the weekend and homes go under contract.There was a 3.2% increase in active listings from August to September, slightly lower than the June to July increase.