Purchase price: $225,000 Cash invested: $56,000 Purchased 4-plex from a wholesaler.

Never fully trust anyone that isn't willing to share the negative aspects of all this.As I'm sure you've experienced, this can be a very rewarding path to take and depending on your grit and determination, overcoming all the pitfalls are well worth the effort.Cheers and drive safe!

After years of research and deliberation, my wife and I determined to start our real estate portfolio in 2025.

Then you can determine if you made a profit, loss or broke even.Determining your sales price can only be determined by the market. 

Interesting, since when did it become HRs problem (or legal right) to determine that "he is supposed to have found housing already".

Purchase price: $255,000 Cash invested: $100 Sale price: $260,000 How did you find this deal and how did you negotiate it?

There are far too many regulations, the transaction is a much longer process, and we are talking about someone's biggest purchase.

It's calculated as the ratio of your total loan amount (loan amount for purchase + loan amount for your rehab) to your total costs (purchase price + rehab budget). 95% is a good target.Avoid application and other upfront/junk fees. 

How would I determine which is best for me?

My question is do I go forward with purchasing the property and deal with the higher insurance and potential hazard or is it smarter to walk away?