That will be a determining factor for where it makes sense for you to purchase.Regarding waiting - bear in mind a lot of people were predicting rates in 2024 would be in 5% range or low 6s, which didn't turn out to be the case.

The amounts of square footage cover is so low the delta becomes a rounding error. 

. - This will allow low down payment and the 203(k) allows repairs to be financed into the purchase mortgage.- The 203(k) will allow you to bid on properties that need repairs that won't qualify for a traditional mortgage => less competition => better purchase price.You will need to find a great local contractor you can trust to supply the required bids to qualify for the 203(k).- After closing, you can do some of the work yourself to save money, but the program doesn't allow you to pay yourself.You will want to buy a Class B property, maybe Class C+, in an area that seems to be improving.

If you have a low interest rate, consider a HELOC for value-add BRRRRs or flips. 

But I'm guessing maybe your credit is too low for that?  

So I had a windfall and can sort of "semi retire" with a part time low stress job. 

Renting to only Section 8 now is possibly the best course of action if the rent you are willing to sale is low enough.

If the AI/software could break down the offer in laymen's terms for the seller, much like a listing agent does, then the product could potentially be very beneficial.

In the second half of the year, market by market, the supply will slow to near record lows, which will be a key theme in 2026.

Damon That's the rub with low income tenants.