Yes, unfortunately it is dead in a lot of states, but not Columbus Ohio!

💭 Final ThoughtsWhen your financial advisor pushes back on your real estate investments, remember this: You're not just "buying a house" - you're investing in an income-producing asset, just like buying shares in a dividend-paying company.

The 22k in NJ is a sweeter deal and I think you will have better luck finding a SFH at 220k in a decent are in NJ than PA. 

New construction in a saturated market isn’t always the best play if you’re looking for steady returns.A place like Rochester has way better fundamentals—lower buy-in, strong rent-to-price ratios, and stable demand from universities, hospitals, and major employers.

I was involved in a bunch of industries—from wellness and gyms to digital marketing and consumer products.

Protecting yourself in a sandwich lease isn't usually a problem. 

Sounds like you guys are in a great spot.

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.

In a worst case scenario like the house burns down or a tenant sues you and you're not insured properly, that's a big risk. 

Never pay full price in a buyer's market!