I think I have paid my full mortgage with the money paid out by Homeroom twice in total, every other month I have to pay out of pocket.Similarly to another poster I had both the laundry machines provided by Homeroom break on me, then on the second one when I asked why they both broke so quickly they indignantly replied that it's 12 years old you know, these things usually only last for 5 years or so, meaning that Homeroom sold me an 11 year old washing machine and then blamed me for that.

Time overcomes low cash flow to some degree... rents go up while your mortgage stays the same and your tenant pays down your mortgage.  

., Purchase Price: $475,000 ($197.9/sq. ft.).Estimated Market Value: $402,000 ($168/sq. ft.).Financing Terms: 2% interest rate, with a 9-year balloon.Unit B Income: $2,049/month (Section 8 tenant through November 2025).Unit A Income Potential: Similar rent or higher; Section 8 cap for the area is $3,234/month.Monthly Loan Payment (P+I): $1,386.Cash Flow Breakdown (if both units are rented at $2,049/month):Gross Rent: $4,098/month.Vacancy (10%): $410/month.Operating Expenses (37.3%): $1,376/month.Net Cash Flow: $943/month.Key QuestionsWould you be comfortable paying an 18% premium for financing at 2%, especially in a market where current mortgage rates are closer to 7%?

I dept free minus these mortgages.  

It is often the investor who failed to do their proper due diligence, failed to be patient and ultimately didn't ask the tough questions they need to ask that pays for those short cuts.  

Home equity is the difference between what your house is worth and what you owe on your mortgage.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Sometimes, you need to be very specific and provide all the details to help them properly investigate.

The Heloc can also pose as a debt obstacle since its an open end mortgage a.k.a credit card.a mortgage is also set up over 30 years so it offers a lower rate and payment. 

this is what Oregon has done starting in July to regulate  the wholesaling activityhttps://www.oregon.gov/rea/newsroom/Pages/2024-OREN-J/Proper...