Other factors as well of course: DTI, the LTV, primary residence vs investment property, etc.

I go to their properties once a month and there is only one property that has seen any progress in the last 3 months.

I have two properties which at 10% fee will be around $35K.

Quote from @Guillermo Perez: Does anyone have experience with seller finance?

Good evening BP world,I am looking to make some contacts, specifically RE agents and hands-on investors in the phoenix area, in order to start acquiring some value add SFH investment properties.

My investors expect me to source financing for a deal and not retain a service to do what I am expect to do as part of my fees.

The property is being purchased at 103 with an ARV of 375.

While algorithms can analyze data at scale, real estate isn’t just about numbers—it’s about nuances and the most important component of real estate is understanding its value, and that to me (maybe I am old school) but can only be done by physically visiting and walking the property.So for me, factors like local market conditions, property inspections, and borrower credibility can’t be fully captured in a formula.

I used to work with a property management company that managed 30+ STR's.

With HML at least you in theory can vet the property and keep a low LTV to ensure you can be made whole.