That protects you from having to sell to  low.

Since you are using an FHA I’m going to make an assumption that you are putting a very low down payment on the purchase.

It's a combo of low housing supply, higher interest rates vs. seller expectation, and a poor economic outlook for the country.As an investor with a few rentals it's like like the parking brake is stuck on.

Now I use that credit union putting down 15%. 

Credit for childcare expenses.The credit is allowed for kids 12 and under.

To list a few...Anyone who wants to increase their property’s income potential (and equity) and build new housing in a market that struggles with high prices, low supply, and few new construction.House hackers who live in their primary and want to airbnb an ADU love this strategy or vice versaInvestors who want to do both long term and short term benefit from having two separate units.Rental Restrictions on ADUs.Thankfully, Raleigh is very STR friendly and ADU friendly right now.

And at the time I considered them low rates.

Success:  Signing a deal with First WatchFailure: Bought a retail condo, not realizing the low ceilings were such a deal breaker for a lot of tenants.Pain: A lot of turnover this year, especially in light industrialAha moment:  Mortgage note investing needs to be a larger part of my portfolio2025 Goals: Less Investing and more pickleball!

Looking to cash flow on low entry homes in some pretty nice neighborhoods close to where I grew up.

We are in a very low tax bracket this year but should be 10% higher in 2025.