This means a lot of units are sitting, and we're seeing a lot of price reductions, lower offers being accepted, sellers willing to help cover buyer closing costs, etc. 

If you flip again make sure a legit company does it to help ease future buyers

Scotiabank is the most popular bank in DR for foreign buyers. 

Plus I continue to pay for leads that are not my avatar (aka flippers and STR buyers). 

Would a 2% commission be a disincentive for buyer's agent? 

The HUD inspection the next day finds a water stain on the ceiling and fails the property.  

The meaningful relationships are earned by being a trusted advisor  who provides accurate information even if it means your client will be less competitive on that particular opportunity compared to the buyer who arrives at their purchase number based on bad advice. 

No buyer would consider it.

To prepare, focus on saving for a strong down payment and maintaining a solid credit profile, as both are critical for competitive financing.If possible, look into FHA or conventional loan options for owner-occupied properties, which may offer favorable terms, especially for first-time buyers.

How have you gotten aligned with your co-buyers in the past (any exercises, tools, resources, processes, etc you've used) and how might you do things going forward?