I think that the assumable mortgage is the ultimate trump card for the house-hacker in today's market, and it is where I'd be looking if I was getting started in real estate today.

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It also still ultimately doesn't change the fact that the list price is only higher because the commission is included in it and the buyer is realistically paying for it (over 30 years) anyhow although it reflects on the sellers side of the CD.

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Lots of bedrooms is the ultimate amenity, and pretty difficult for competitors to copy 😊

Ultimately, however, we did not like the hard sale tactics of the Open Spaces representative.

Our ultimate goal is to acquire properties to reach financial freedom within a decade of starting to invest.

...if you have hundreds of thousands or millions in reserve, it might not be an issue  ...but if you only have a few thousand, it will be a major problem.Now, having said all that, there definitely are scenarios where a structural issue is an easy, relatively cheap fix. ...and, there are some examples of settlement that can be ignored--for instance, minor settlement on a 100 year old house is fairly common, and might not affect the structural integrity of the house.But, again (assuming that you're not a structural engineer), you don't know what you don't know--it could be five hundred bucks and a weekend of work, or it could be a hundred thousand dollars, a year of your life, eight months of vacancy, and ultimately bankruptcy. 

Ultimately, I am looking to purchase/refinance with or without my siblin co-borrowing, then put an ADU on the home to rent out. 

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