Mortgage lending is highly competitive, and there are many newbie loan officers that will bend over backwards to get you to pull a credit report and pay for an appraisal.

I suggest you consider working backwards to answer this question.

You should build that into your numbers and work your way backwards towards an offer price. 

The reality is we'll likely face the hardships of a (significant) decrease in spending and overall policy will be prohibitive at first.Feel like things will go 2 step backwards, 1 step forward.

But you have to start with the motivation of the sale first then work backwards from there.

Start with what your goals are and work backwards from there. 

Looking backwards I think I would have made money on ALMOST all of them with the market tailwinds the last few years. 

It's sort of going backwards from owning your real estate. 

So Kyle, I would encourage you to figure out what you want your real estate to do for you and then work backwards. 

Just bought a $60k home that we'll put $50k into and have an almost perfect BRRR.How much are you looking to make to "supplement working full time" and then work backwards.