Quote from @Pat Aboukhaled: Curious.. do you think a flat rate for the whole season feels more convenient, or would you rather pay per snowfall to avoid paying for a mild winter?

HELOCs are interest only hence on that $200K, it was a monthly interest rate of $1,200.

If you haven't found  renter in 3-4 weeks, drop the price (but not your standards).

Most 1-4 unit real estate investors are using DSCR loans right now for any buy and holds while flippers lean on higher leverage bridge/fix and flip loan options with higher interest rates.

My conversion rate was higher because they kind of look like a wedding invite.In regard to lenders, join meetups and local facebook groups and ask for referrals.I’m doing larger commercial deals now and found I wasted a Ton of money on direct mail.

OccupancyMost lenders require a minimum occupancy rate of 85%.

For rate scenarios lenders need to know much more info:1) SFH, Condo, or?

They are a new international lender in Costa Rica offering 30 year, fixed rate mortgage loans specifically for American investors.

I have liquid assets and want to make smart, scalable investments that balance cash flow, appreciation, and low risk.GoalsGenerate consistent cash flow to diversify my income.Maximize appreciation potential for long-term wealth growth.Invest in areas with low crime rates to minimize risk.Reduce my tax burden for 2024 with real estate purchases.My Current ThoughtsI’m torn between two main strategies:Multifamily Properties:Looking at markets like Austin, Raleigh, and Tampa for 10-50 unit multifamily properties.Love the scalability and centralized management, but I'm concerned about high upfront costs and competition.Section 8 Housing:Considering affordable markets like Memphis, Cleveland, or Indianapolis to purchase 5-10 single-family homes.I like the government-backed rent stability, but managing multiple properties across different locations seems intensive.Key QuestionsWhich strategy would you recommend for my goals and liquidity?

Hence, this is maybe why your occupancy rate is dropping nowadays.