What’s the best approach to establish business-to-business contracts with insurance companies?

Can try to reposition to Class B, but neighborhood may impede these efforts.Vacancy Est: Historically 10%, but 15-20% should be used to also cover tenant nonpayment, eviction costs & damages.Tenant Pool: majority will have FICO scores of 560-620 (approaching 22% probability of default), many blemishes, but should have no evictions in last 2 years.

You’ve gained valuable experience from your first duplex and are now approaching real estate with a strategic mindset

If you’re looking for a long-term fix, go for a more robust approach.

approach it the same way you would interviewing a business partner because that is what you will be. 

Convention lenders said they are OK with this approach, but in PA not sure paying the transfer tax twice (once at sale and once at transfer into LLC) is worth the savings on the interest rate between the conventional vs DSCR (just pay transfer tax once at sale).

Given you and your investor both have experience in different areas, I’d say keep a flexible approach and compare city requirements before putting too much money down.

While there are undeniable challenges—higher interest rates, tighter lending conditions, and market uncertainty—there are also unique opportunities that can make real estate a very prudent choice if approached thoughtfully.

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.

Here’s the approach I’d take, blending strategy and action: 1.