Unless of course you actually have the money in reserves and would make up any loss.. that would be different..

Learn from your family and on your own by going to different meet-ups and having conversations with agents, other investors and anyone else in the industry to hear about their experiences.Make 2025 a year of planning and how you will go about that plan. 

Quite a difference!

See what a difference it will make for people to know you have 13 years in.

Too much time and when the difference is only 20-30% the banks won't bother with a short sale.- The signed P&S and the arears cleared up will stop the foreclosure.  

They do have you approve different settings that prices your property at the 50th percentile of your market or 75th percentile etc.

However the difference may not be as significant as you think.

Let me know what you would have done differently?!

I have liquid assets and want to make smart, scalable investments that balance cash flow, appreciation, and low risk.GoalsGenerate consistent cash flow to diversify my income.Maximize appreciation potential for long-term wealth growth.Invest in areas with low crime rates to minimize risk.Reduce my tax burden for 2024 with real estate purchases.My Current ThoughtsI’m torn between two main strategies:Multifamily Properties:Looking at markets like Austin, Raleigh, and Tampa for 10-50 unit multifamily properties.Love the scalability and centralized management, but I'm concerned about high upfront costs and competition.Section 8 Housing:Considering affordable markets like Memphis, Cleveland, or Indianapolis to purchase 5-10 single-family homes.I like the government-backed rent stability, but managing multiple properties across different locations seems intensive.Key QuestionsWhich strategy would you recommend for my goals and liquidity?

And as mentioned above, if the lender you are speaking with doesn't know what that is...then you need to go to a different lender.