I don't know if I agree with your philosophy about maintaining some components and others not.

Many times…..Based on nearly 40 years as an active broker…Investor friendly agent means “agent who will cut their commission rate

That gives a window of time (between the moment you make potential buyer aware, get his commitment/interest to buy and sign a contract with seller), for investor and seller to get together, exchange RE for cash and close the deal by cutting you out of it.

It can be harder for people to come up with though... so it can cut both ways.As for rental rate - try going to rentometer.com and put in your rental address and see what it tells you it thinks the rent should be.  

I like the operating-holding strategy, but the only side of that which is simple is the operating component.

@John Clark here is a good article of what is happening in the Tampa Market https://www.floridarealtors.org/news-media/news-articles/2024/06/sellers-cutting-prices-these-florida-cities?

Obviously cutting into profit.

Mortgage brokers are probably the most critical and least celebrated component to any RE transaction utilizing third party financing.

Passive investors need to dig deeper to cut through this.

Given that, I changed to getting pre-cut SIP panes and building myself.