The initial returns are lower on paper in better locations (lower cap rate, less initial cashflow according to the magic spreadsheet), but the overall returns in reality are much better including all the different ways people make money in real estate (gained equity through natural and forced appreciation, principle pay-down, increasing rents= higher cash flow when looking at the big picture if you buy and hold, depreciation tax benefits, plus way less of the big profit killers like turnover, non-paying tenants, property damage and theft, dealing with bad contractors because good ones don’t choose to work in bad areas either, etc.). 

Sanjeev Advani, a beacon for professionals and investors alike within these industries, offers a deep dive into strategies that promise not just survival but prosperity in these competitive fields.Navigating Real Estate with AcumenThe real estate market, with its cyclical nature and regional nuances, requires a keen eye and a forward-thinking mindset.

I agree with @James Hamling on the "reactive" nature of the Fed. 

It turns out they are and the guest requires them to remind her to take medical treatments.

naturally.

The detailed nature of the estimator was surprising but helpful.

Unfortunately, we do not know what the 50 different states' treatment of them will be.  

It's not in my nature to sit and post on sites for all to see but Sabrina Ubele and John Madison deserve the praise.

Thank God we are not living those times any more.It seems that you are a  young person, so naturally, you may be comparing the rates you were recently quoted to the rates of January 2021.

There are certainly people who skirt the rules by not disclosing the nature of the downpayment money or where it comes from but it seems like your partner is doing this the right way.