these are great insights  @Joshua, thank you for your time, please send me what you have and i  will reach out to you. thanks again!

Purely answering the 80% vs 90% leverage question, in most cases it's better to reach for that 20% down.

The more that you talk the more potential buyers see what they are dealing with.Lori you purchased a property that was occupied.

My biggest conundrum now is I want to be my own GC because even when I play with smaller numbers they’re still out of reach for me to be able to attain this goal and afford the monthly mortgage with taxes and insurance.

Try to anticipate other potential avoidable situations with a follow up inspection to assess the Locksmith’s work and ask your tenant(s) if you can also use the time to assess for other issues such as unchanged HVAC filters, leaky pipes, working shutoff valves, working smoke detector batteries, properly working downspouts, clogged dryer vents, evidence of water damage from leaking roof, etc,etc,etc.

If it were me, I would like consider refinancing only 1 of the 2 properties now and considering the second later in 2025 or even early 2026 when rates potentially soften.

We are reaching out to this amazing platform for some help and direction to get things rolling.

.🔹 Property Tax Relief – If your property is severely damaged, you may qualify for reassessment and potential tax refunds.

Attend real estate meetups and networking events in your area to connect with potential lenders and other investors.

Before renovations, the property isn’t cash-flowing enough to justify a $360,000 price tag, especially if financing eats into potential profits.