I plan for the long term game and rarely ever sell so even appreciation is only on paper.

So effectively 90% CLTV (combined loan to value) 

Within less than a year she's built triple the cash flow of our dog walking business and real estate combined, and seven figures in equity.

**Loan-to-Value (LTV) Leverage**: Lenders might be more willing to take a second position if the combined loan-to-value ratio is conservative, meaning there’s plenty of equity in the property and the lender’s risk is minimized.5.

Its just very rare that this happens and this is mainly paranoia getting into peoples brain that they would need some sort of protection because of some high profile cases that have gone around the internet. 

Real estate + construction is a powerful combination. 

STVR guests are rarely in the home.

Even a 200K home (fairly low dollar in the FL market) requires a 40K down payment which is tough to come up with without a hard money loan/HELOC combined with a conventional loan which would then be tough to make any cash flow.

This is currently the only thing I am actually decisive about.I think I'm struggling with analysis paralysis combined with generally being overwhelmed by all of the different metrics and data to look at.Specifically, I'm currently trying to narrow my market within Connecticut, but I am getting stuck on how to determine a "good" market.

Using strategies like a 1031 exchange allows you to sell and reinvest in another property while deferring taxes, so I often factor this into decisions.For me, it's a combination of interest rates, appreciation, and potential cash flow.