Here's the link to get Sold, the first of the series https://store.biggerpockets.com/products/sold-every-real-est...

While some neighborhoods are actually seeing a decline in tax assessment values, many will see an increase and even more than what the properties are worth.

Long story long, our interest rate skyrocketed and when you couple that with declining rents and increasing expenses, distributable cash flow erodes.  

Jesse, I am an insurance broker who is able to assist with insurance/risk management products all across the nation.

A HELOC can work for this, but keep in mind it has a variable rate, so it isn't the best product for keeping a balance long term. 

I guess this is especially true today with U.S. birth rate seemingly in decline. 

Speak to multiple lenders and see who can give you the most favorable terms and loan product.

There are also no ratio products that do not require the property to debt service.

If the rental unit has too little cash flow, the quality of the home will obviously decline. 

Here is the finished product on Zillow https://www.zillow.com/homedet...The New Western agent reported during our review “Even though Femi was successful, I suggested on at least one occasion that he reconsider if investing in distressed properties is right for him due to his personality type.”Notably, Femi wasn’t the only party performing due diligence on the property.