It's the boring places that probably won't appreciate above the rate of inflation that will provide real month to month income. 

They’re asset-based, meaning the loan is secured by the property itself, and they often have quicker approval times but higher interest rates (think 10–15%) and fees.

We stay in contact with this agent and I guess she made a couple of verbal offers for us after the agreement had expired. 

You'll need a contact who lives in Philadelphia for a rental license now to put down their contact info for the city.

They are short term loans, usually 6-12 months, high rate, interest only payments. 

Right now, you have a property with a great equity position, solid cash flow, and cheap debt (interest rate is low). 

Currently we would be at 8.5% interest rate.  

One thing my teens have taught me is not everyone wants to be contacted directly on the phone.

@Jordan Miller most Class A & B rental properties bought since 2021 really don't cashflow from day one.Class B will take 1-3 years to start showing cashflow.Class A, 3-5 years.Current investors keep making the mistake of looking back at deals from 5-10 years ago when prices & interest rates were both a lot lower, but NOT rental rates.

The second page is a page for the doctor or professional stating what the tenant is requesting and giving them a little info as to why we the landlord are asking for it. the 3rd page is the ASR with simple yes-no questions. the 4th page is the approval or denial with what information was considered as well as contact information if you want to allow the 2nd review if a larger company.