The human race has historically been poor at predicting future, so it's wise to prepare for multiple scenarios.Mortgage rates in 2025 may decrease slightly if inflation stabilizes and the Federal Reserve eases rates, though they are unlikely to return to pre-pandemic lows.

So Doorvest is getting everything that produces a high return and you get the aspects of real estate investing that have low a return. 

While the property hasn’t appreciated much since purchase, we’re considering keeping it as a rental due to the low rate.

I can see if you're BRRRR'ing 3 times a year, and maybe I'll get to that eventually, but starting out I feel stupid asking an agent to help me find properties for $10-20k, like why would they want to do that if the commission is so low?

Hi Joe,Using a Home Equity Line of Credit (HELOC) on your primary residence can be a practical and low-cost way to fund flips, especially since the terms you mentioned include only a $200 yearly fee.

In any case, I doubt many people on BP would want to buy properties in Switzerland given the very low returns that can be achieved there.

For $50,000 you can have a turnkey low-income Section 8 rental property that generates $7,500/year in NOI.

More competition equals less income per cabin.It's possible you can grab a cabin at a low price from someone who bought at the peak in 2022,  Just do your homework and be sure you can make your ROI before you enter this market.

If you've got people fighting over your listing and competition trying to get into the unit, then you're too low.  

Choose properties needing minor upgrades to build equity.