In this case the current financials on the property aren't great(rents well below market value and the owners family living in several of the suites) so the lenders will likely not provide the funding based on poor NOI.  

Interest is 18%.for a total of 30.5k in debt.current financial status:1k emergency fund.1k in reserves outside of that.6 month plan:I'm going to japan in march with my sister so i'm currently reserving my money to do cool things in japan as it was my personal incentive to get my *** into gear and get my life together.after that trip i'm planning to tackle my debt in order of highest interest rate to lowest interest rate.I believe i can comfortable put 2500 a month into my finances. so i expect to be able to be debt free roughly a year from march.After that: im planning on parking my money into the smp 500 to help it grow until i have enough money for a downpayment on a duplex to a quadplex and doing the houshacking strategy yall talk about.

New to this local market, I wonder whether buy and hold is a good strategies for this market (balanced between cash flow and appreciation for class A or B, I know cash flow is difficulty in general given today's real estate environment )?

Notably, there is often an unfortunate cycle where: (1) current ownership has financial struggles; (2) this requires the current ownership to fire sell or declare bankruptcy; (3) the development suffers as a result; (4) new ownership comes in and tries to fix it; and (5) the cycle repeats.

Highlight efforts to minimize displacement, such as offering lease renewals or supporting affordable housing initiatives, and share data to clarify financial realities.

Prioritize your financial stability.

Lakshmi it was great speaking with you on the phone today.

I had painters scheduled to paint the place today; postponed them because of this. 

If the husband defaults on the loan, it could affect the household's financial situation, potentially leading to missed payments on other obligations or a decrease in property value, which might influence her credit indirectly.3.

Case and point today we spent 6 hours onboarding a new house in Kissimmee (outside orlando) whose prior cleaners did not care.