Quote from @Victor Tofilski: @Joe VilleneuveThe other unit was a unique circumstance the tenant only needed a place for 6 months before he moves again so I gave him a different price to account for future vacancy.

@Dmitriy Fomichenko not sure if you were aware, but depending on your income and circumstances, you can convert that money into a Roth IRA, tax free.A friend of mine lives in Washington state (no state income tax) and his taxable income is about $50k a year.

The tenant base is generally 95% single women with 2 to 5 kids and they flat destroy houses, Not on purpose  most of the time but if you have children all below 10 years old they are just brutual on houses even in the best of situations of which single parent with multiple baby daddys is not the best of circumstances.. full stop.

Under no circumstances should the tenant ever burn scrap lumber in a fireplace.

In tight inventory markets like Boston, I encourage clients to clearly define their purchasing criteria, start looking, and then be patient.Some of the best deals I have seen or experienced personally happened during unusual circumstances.

For younger people ages 18-34, the rate is 97%.I suppose under specific circumstances, Roofstock might offer to reimburse a lot more than the capped amount stated in the Terms & Conditions.

Just another factor to consider - if you want to keep your monthly payments the same, do not under any circumstance swap the debt over to some other debt instrument.

I just want to explain my circumstances and see how people with experience and knowledge in real estate would move forward if they were in my shoes.

Since they keep the loans in-house instead of selling them on the secondary market, they can tailor loan terms to meet your unique circumstances as an overseas borrower.If you have strong assets or savings, consider looking into asset-based loans or no-doc loans.

Finally, depending on the circumstances at the time, we decide how much should be held in reserve against future contingencies.