And my final dream is to buy land in my home country to build affordable housing for people there.

You have some people in here who are cool with and celebrate losing over $1,000 a month.

I think seasonality is starting earlier, but if people are starting this early, ahead of inventory bottoming, we could have a pretty crazy spring. 

I do know Walter and have known him for more than 25 years, he is upstanding and he is smarter than the average bear, he's in the deal to help people and I have learned an immense amount from him I am now 67 years old and I bought my very first home by having my parents cosign!

However, a few things you could do: You could talk with them & learn more of their story to figure out why their credit score is low as well as the type of people they are.

Are people moving in or out?

See if you can get a copy of The Millionnaire Real Estate Investor by Keller.The Slight Edge and Atomic Habits too.Awesome board with many smart people having own suggestions and ideas to grow wealth!!

Most purposes that people on the BP forums are transferring properties to an LLC, would be exempt of the Due On Sale Clause.

Quote from @Brittany Minocchi: I'm a bit farther north, but I've helped a couple of people with loans in that area - the properties seem to be working out well for them!  

The only thing that bests fear is courage and we only need a mustard seed of that to get things going...People often spend money on college and never go in to the field they spent that money on...the greatest lessons and the ones most remembered are learned 'on the job'.Wishing you more good news in the future and an exceptional 2025.