My main area of focus is in multifamily and commercial NNN properties.

Are you mainly partnering with local municipalities and grant programs and then bringing in a lender? 

This rental income will not only help you cover your mortgage payments, but it also provides passive cash flow—one of the main reasons people get into real estate investing.

This is tough for new investors that focus so hard on cash flow as their main criteria.

;-)As I build my team and number crunch on properties I'm seeing, two things are a main concern:a.

It's mainly been the second one.

As others have pointed out, buying down rates in this environment is not recommended for a variety of reasons, but mainly, there are still quite a few who believe rates will be lower over the next 1-3 years.  

Do you know (or @Valerie Budd) when completion for the main amenities will be completed?

One of the main challenges is that I can only afford to put 5% down, which would leave me tied to this property’s expenses for the foreseeable future, making it harder to pursue other investments.All of this said, I’m really struggling to stay positive about investing right now.

My gut tells me that Texas, particularly Austin and Houston, could be where the next wave of growth and expansion occurs, mainly driven by strong business and job creation trends.Here’s what I’m looking for in my US investments:Free-standing houses with a good land component, at least 3 bedrooms and 2 bathrooms, and in well-maintained condition.Yielding over 6%, with a slight cash flow positive outcome, while also offering medium-term capital appreciation potential.Holding for at least 5 years or more, with a view towards steady growth.The long-term goal is financial independence, reducing reliance on salary-based income, and building assets during this accumulation phase.Debt reduction is on the horizon—looking to consolidate and start winding down debt within the next 7 years.If anyone has experience investing in the Texas real estate market or any tips on navigating US property investments, feel free to share your thoughts!