Most lenders sell their loans out.Nobody wants a loan where the asset is underwater every month.The real question is, why is a property worth over $1M only producing $4,000/mo.You should consider raising rents as this seems significantly below market.

What was nominally a 52k down payment turned into close to 100k--12k in closing costs, 12k in extra payments, and about 25k in labor to help me get it ready when I realized I couldn't get it all done by myself working evenings in a reasonable amount of time (plus I knew I couldn't do the egress windows myself). 

A partial renovation turned into a full-scale project, doubling my $10,000 budget to $20,000.

When investing in real estate, having multiple exit strategies is key.For a single investment property, make sure the numbers work for both scenarios: 1️) If you decide to sell the home, the deal should produce a solid return. 2️) If you need to rent it out, the rental income should cover expenses and provide a profit.Flexibility is what saves you when things don’t turn out as planned.

You must have objective rationale for turning them down.

This implies the higher ratio areas actually produce lower cash flow over long holds.- it does not forecast rent growth or appreciation into the calculation.Those are not areas i desire to invest.  

As a guest, this is such a turn off.

So far this has produced great results for me.

They were turn key and ready for tenants.

My publishing business is now running smoothly and transitioning into profitability, so I’m turning my focus toward my next venture: multifamily real estate.