Yes, there may be a hint of trepidation at the onset – change often carries a tinge of uncertainty – but Shata firmly believes that AI will usher in a new era of innovation, much like how the rise of social media transformed traditional communication industries.So, what's the bottom line here?

I may be interested potentially interested Christian.  

It's essential to evaluate each deal individually, considering factors like your specific market, property condition, and your own risk tolerance.Here's a quick summary of what you might do:70% Rule: Use this as your initial benchmark to assess deals, especially if you're looking at traditional financing with 70% LTV as a goal. 75% Rule: When you have access to lenders offering DSCR loans at 75% LTV, adjust your analysis to match this new lending option.

Expect to pay WSJ Prime + 1 point or therabouts from a traditional bank on interest and 1 point for the origination whereas you will be a few points higher on the origination and the rate through an atlernative lender.

These have between 3 and 3.5% minimum down payments, but would obviously require a lifestyle change for the immediate time- there are hard money lenders that do not conform to traditional lending requirements.

Our wide-open buy box and fast and loose acquisition model also meant we were not satisfied with buying and flipping standard, traditional properties.

I currently have 1 SFR rental, in Hesperia that does well but only because I bought it 10 years ago, half price of current value  To me the prices seem very high from what I have seen traditionally over the years, and I am personally worried that they are currently overpriced and questioned whether I should get out on top.  

How long does it take to generate cash flow, and how would the cash flow compare to  “traditional” real estate investing? 

The scammer had the typical terrible grammar/spelling and illegal word usage ("looking for good Christian tenants" etc.).

Joshua,  I understand your point of using the HELOC as 2nd which may be close to accomplishing the lowered total interest payments but in the end, anything you push toward your traditional is locked up and not easily accessible when opportunity knocks.