Looking ahead, investors will continue watching global Covid case counts and vaccine distribution.

I always show my clients the real difference between that 3.75% 25-yr amortization payment from the bank (which will require 3-yrs business and personal tax returns, t-12/t-24 financials, balance sheet, paystubs, and do a global DTI etc) vs a "Secondary Market Lender" who will offer the 4.5 - 5.5% (on average) at 30-yr Fixed terms (who will typically NOT require anything regarding income, but focus on appraised value and DSCR).Taking a $500,000 mortgage:- 3.75% 25-yr Am (5-yr Balloon) = $2,570.66 P&I- 5.00% 30-yr Fixed (no balloon) = $2,684.11 ($113.45/mo difference)Take it further, many lenders offer buy-down options (often a 2:1 buy down, meaning for every pt you pay at close, you reduce your rate 0.50%) - 4.50% 30-yr Fixed (no balloon) = $2,533.43This is LOWER than the bank's monthly P&I Payment for 1 extra point ($5,000), which by the way saves you $150.68/mo from the 5.0% rate.

Looking ahead, investors will continue watching global Covid case counts and vaccine distribution.

@Charles Carillo hosts a podcast on this, the Global Investors Podcast.

Global recognition, weather, close to beaches, major airport(rental cars), easily accessible to drive to for much of U.S., still affordable, real estate friendly for investors, within a couple of hours of 3 major cruise ship hubs and on and on!

Looking ahead, investors will continue watching global Covid case counts decreasing and vaccine distribution increasing.

I believe we are seeing a change in the decades old global trend of moving to bigger cities.

@Will Little you can chew gum and walk at the same time. 

We are building a five ro eight property portfolio over the next two yearsHouses priced between $150k to $250k with 20 - 30% deposits down.Mostly in San Antonio but would also like to get a "global warming" just in case property further north.

There are other credits for TSA/Global entry and Clear as well.Have used the points on Amazon, etc.