I was looking at a 5% down payment product that my lender last year said I could do.

Arbitrage and seller financing, those 2 actions alone afford massive speed to scale. 

But here's the key: it doesn't have to be a full, high-end renovation to make a big impact.Tips to maximize ROI on a kitchen remodel:Focus on cosmetic upgrades: refinish or paint cabinets, add modern hardware, replace countertops with affordable yet attractive materials like quartz.Upgrade appliances to energy-efficient models if needed, but don’t over-splurge on luxury brands.Install new lighting fixtures and update backsplashes for a fresh, modern look.Typically, a well-executed kitchen remodel offers a strong return on investment, usually 70-80%, sometimes more depending on the market.If you're thinking about financing for your flip or want more specific ideas on where to spend wisely, I will be happy to help.Regards,Drago

While it may seem challenging to find a balance between economic growth and affordability, start by researching neighborhoods with potential for cash flow.

Good news is the rates on these products have dropped dramatically in the last 3 months.  

People can't afford LA or Santa Clarita so naturally they would keep going.

To answer part one of your scenario, it depends on what type of loan product you have on the investment property that you purchased.

They can no longer afford the rent due to a divorce.

Just because a product is more expensive doesn't necessarily mean it provides greater value.

However, you might want to consider diversifying by looking at markets outside of New York that have strong growth potential but are still affordable—places like Indianapolis come to mind, where I’m currently focusing on new build duplexes with strong rental returns.Suburban vs.