@Ryan Daulton So, you want to believe in fairy tales and challenge us to prove them wrong?

And, even then, hitting your rate target would still be extremely challenging unless you were paying points up front, in which case it would probably make more sense to just try to put in a bigger down payment (or pay down the balance if refi) instead and get better terms naturally offered at the lower LTV.

The location hasn't had a lot of demand which has made it challenging for him to find an end buyer. 

This speaks volumes about the challenges Buyers are facing when it comes to saving enough cash to purchase a home.It’s a reminder that understanding what Buyers need most is key to creating deals that work for everyone.

Challenges?

Challenges?

It sounds like you’ve navigated some serious challenges while staying committed to your long-term investment goals, which is a testament to your resilience.The current market definitely presents challenges, but it also holds opportunities—especially for investors who take a strategic, long-term approach.

@Shaun OrtizEvaluating distressed properties remotely can be a little challenging but it's doable with the right tools.

Even better, I might be able to snag it well under market value since it's an estate sale that's been sitting on the market for nearly 200 days.Here’s the challenge: while I could afford to purchase the property under market value, I’d be stretching my budget thin to cover the mortgage during the period I’d be remodeling the basement to make it rentable.

I’m based in Portland, Oregon, where residential investing seems challenging due to landlord-unfriendly policies and negative cash flow on higher-quality properties.