Highlighting features like “walking distance to top-rated schools” helped me attract renters even during slower months.Negotiate SmartlyWhile sticking to your legal rights is important, a pragmatic approach could save time and hassle.

Available terms, interest rates, overall goals should determine how much you want to finance on properties. 

With that comes different exposures and risks that they need to properly rate for.

The interest rate and down payment requirement are lower than if it were considered a second home or investment property. 

With rates coming down should help some sellers off load over priced properties and will help buyers get aggressive with good class A and B locations.

The spread between what they're paying and what the market rate indicates is not that much.

The real estate market has shifted dramatically in recent years rising interest rates, evolving buyer and seller expectations, and fluctuating property values are keeping all of us on our toes.

 @Jessica Frisk I would not be keen on the 15-yr fixed rate mortgage if that makes you cash flow negative.

Yes COGO does have paperwork but once you have done your first deal with them it gets easier and they actually show you the scale of points and rates.  

It falls short of the 1% rule which with current rates is not sufficient in most markets to have achieved real cash flow after properly allocating for sustained expenses.