All the loss mitigation and other gov protections can do at that point is delay the foreclosure and eviction from property by couple of year.

For me, I prefer investing this way.

I also own a couple in Memphis so it’s interesting @Dirk Singleton that you’re moving away from TN.

If you prefer passive style, house hack or out of state rental makes sense. 

I've worked with a lot of investors who’ve done cost segregation, and the recapture part is always something that can catch you off guard if you don't think it through.Let’s break this down step by step..just like when I helped a buddy of mine who had a similar situation a couple of years ago, only he was dealing with a multi-family unit, not a single-family home.

Nevertheless, I gather the general opinion that condos are not a preferred type for investment purpose.

How do you typically evaluate LTV ratios when deciding on funding, and do you have a specific comfort zone in terms of percentage or property type that you prefer to stay within?

I would like to have at least a couple properties before moving out of state that will at minimum break-even on cash flow as a LTR with property management long-distance.Other info:Looking to move out on Memphis with my wife in the next 2-4 yearsLooking to start a family in the next year or soComfortably have ~50k ready to invest sitting in HYSA, excluding Cash reservesHave an extra ~$70k in stocksMost interested in A- to C+ neighborhoodsI currently own & live in a 2/1.5 Condo locally (3.5% interest rate)Not allowed to rent it outHOA fees have risen to where PITI + HOA = $1100/mo.Have ~$100k trapped equity, good zip code I could sell quicklyOption A: Purchase another primary home locally I could live in for 2 years (lower interest rate), with intention of eventually converting it to LTR when I move out of state.

A couple of things. 

I'm new to the Real Estate Investing community/business and would like to get a couple tips on wholesaling locally here on Oahu.