The typical income from a free and clear rental would probably be $800-1500/month - and on a financed rental probably $300/month on a good day in today’s market.  

Months' supply, a key market balance indicator, is expected to improve from a 3.7 month average in 2024 to 4.1 months in 2025.

If this is a $100K property you may go from believing you have a healthy LTV ratio to being underwater in a matter of 2-3 months.

Upfront expenses and monthly payments must be considered when calculating the return on your investment.EXAMPLEYou cash out $100,000 of your equity and use this as a down payment on a $400,000 investment property.

A monthly fee (typically around $5-20/mo) is added on to the payment.

I don’t see where a rental would make sense, so I’m trying to look at other options to cover the monthly payments until the market goes back up.  

In 1 market, for a SFH, permitting is 2 months with a 5 month build time. 

., $1,900/month).

The other thing I have done especially if we are approaching winter months is just tell the insurance company that we will have them done in spring.

You sell after 12 months and take no depreciation expense in the first year.