hi all i am a new landlord and got my first rental property. tenants moved in in September and October. the first month was fine but when December hit it got extremely cold and the heating is electric. due to poor insulation in the home that we did not know about the heat has to be turned very high up to keep the home warm, however since everything is electric it is causing the electric bill to be $800. the utilities are the tenants responsibility. however because of this one of the tenants has been extremely non compliant with paying rent.

@Ryan Fox - It's pretty unpredictable in my opinion, but I'm sure there are people way smarter than me that can better see/predict what's coming down the pike.  

Loan to value ratio: The higher the loan to value ratio (LTV) is, pricing takes a hit.

They warned me I'd take a hit on the algo.

As most know, this region was hit hard by Hurricane Helene.

As an investment this is a great hit.  

Prices are low and they hit the bottom during the real estate crash.

In the “old” days, people would have the seller pay the lender so as to not “alert” the lender that a property sale had taken place, so that the lender def wouldn’t trigger the so called “due on sale” that’s a part of almost every mortgage or deed of trust document.  

A self-directed IRA or 401k can be a great vehicle for loaning money to others without getting hit with taxes on the interest income.

Personally (as a STR-focused REALTOR), I would never give you numbers and tell you you can hit them.