I get much more cashflow from distressed properties that I pay cash for and fix up to be LTR'S. 

Consider single-family homes, duplexes, and fix-and-hold strategies.

They're retired and on fixed incomes, and they won't be able to afford the insurance and/or their HOA fee increase.

Just a short list its like 50 ways to leave your lover there are 50 gothcas in sub to. 1. the easiest for everyone to understand the sub to violated the Alienation clause in the mortgage or deed of trust and holder of the mortgage DT / Note decides to call the note due and payable and starts a foreclosure. 2. foreclosure started and the person who bought sub to has no means to pay it off or refinance it and the original sellers credit get trashed and if its a deficiency judgement state even on an owner occ like Texas lender sues original seller for the deficiency. 3. this kind of investing or acquiring assets tends to attract those with limited resources so they have no ability to fix things they decide to scale up and then it goes out of control and sellers are really harmed4. deal goes south and original seller sues or files complaint with AG. 5.

Fixed or Floater on loan if you bought in 2022? 

I am getting back what is left of my home to rehab the end of March and it is going to run me approx. 40K to fix.

Lets discuss some bridge, fix and flip, ground up construction and DSCR loan scenarios for both purchase and refinance options .

Did you get fixed rate financing back then, or did you have a floater?

I understand the frustration of fixing other people's messes.

If appreciation catches us, shave off a year or quantity I buy.30-33% equities, 28-31% private equity/small business(almost tapped out of growing this one), rest fixed income.