Specifically, I am looking at partnering with an individual who owns securities (stock and mutual funds) having them take out a line of credit against their portfolio (SBLOC) at a low interest rate, and using that to purchase properties rather than using a mortgage.

Great replies here, and thank you for sharing examples of what you have or have not done as a private landlord.I do think there is a time and place to offer concessions, just not for people like you and me that are owning/managing portfolios smaller than an apartment complex with 100's of units.

Most mortgages say the lender has the right to buy homeowner's insurance for you if you don't prove you have it.

Additionally, lenders may require a release price (a specific amount to pay down the loan) for each property sold, which can complicate the strategy.It’s worth discussing these details with a trusted lender or mortgage broker to ensure the plan aligns with the loan’s terms.

 Hey GUYSOver the years, I’ve worked on creating high-converting funnels for marketing agencies, and one thing I’ve noticed is that the core principles of attracting, nurturing, and converting leads are just as relevant for real estate investors.I’ve been diving into strategies that could help investors streamline their deal flow, attract motivated sellers, and build better relationships with private lenders.

This is a screenshot from a private Facebook group for tax professionals.

The property was rented and generated $160 cash flow after mortgage, taxes, insurance and property management fees were paid.

.## Financing OptionsFor Hard Money and Private Lender financing, it's crucial to build relationships with local lenders.

I find this data super interesting, and took the opportunity to dive into their 2025 edition this week.Nationwide they say we can expect:Average mortgage rates of 6.3%, with rates edging down over the year to reach 6.2% by the end of the year.Home prices will grow by 3.7% across the US, which is pretty modest.

Hi,As someone that moved from CT to SC, I will tell you property taxes here are very low, you would feel the same coming from NY. the 4% for primary and 6% for a rental, at least in Charleston County where I live, is not 50% more it is really x3 more , but still low compared to NY, so while others from SC may see it as high, you may feel it is a bargain.Not only that, being a landlord here is much easier, you actually have rights on your property, which is not really the case in NY/CT.I read your mortgage rates are in the 4's, expect to pay in the 8's right now, so unless your plan to pay cash, which, I personally am not sure I would do for an investment, many reasons for that, it is going to be very difficult to make money. if you are looking for appreciation rather than income, it may make sense.Hope this viewpoint from someone that moved a few years ago from similar place is helpful.