Quote from @Olivia Blake: I’m a first-time landlord (just signed my first fully-occupied LTR in Jan 2025) and have already run into my first potential tenant issue.

In a way I am a "long time listener, first time caller" jumping into the forums here.

I am looking to refinance in the near term either when rates drop to the 6.5% range into a conventional 30 year mortgage or as quickly as I am able into a first lien HELOC to be able to park paychecks into the mortgage and save a significant amount on interest or so it seems.

Purchase price: $50,000 Cash invested: $50,000 My first investment was a three unit deal for $50,000 cash.

I worked at hospital diagonally across street so very convenient and at the time this 2bed 1bath was all I needed.

Like you said , anyone can check the history,  I do have cameras installed and I do check twice weekly, it's not too far from my primary home . im a first time investor, is it ok to DM the listing to see if I'm missing something?  

That's awesome, congrats on successfully purchasing your first out of state property and finding a great agent!

For a quick turnaround during the holidays, that rate might reflect premium timing.

I bet you learned A LOT.You can also leverage my team to help you out next time.

Instead of stressing over timing it perfectly, focus on making sure the deal still works even if rates shift.Since you’re buying in Norfolk, check if lenders there offer any investor-friendly incentives.