However, assumable mortgages provide a unique opportunity to leverage low down payments, low-interest rates, and strong long-term returns—if you know how to approach them correctly.Let’s break down how to structure a great deal using an assumable mortgage, even if it comes with some negative cash flow in the short term.The Three Levers of a Strong InvestmentEvery great real estate investment balances three key levers:          1. 

I guess I'm asking, for everyone w/ super low interest rates, what are you doing?

@Marc HardyI know nothing about your market, but here are some general thoughts:- rent of $2600 is very low for 3 units and a total of 7 BR. 

.• Down Payment: Planning to put down 15%–20% to keep my monthly payment low.• Cash Flow: My goal is to keep total expenses at $600/month or less (including mortgage, taxes, insurance, and property management).• Minimizing Debt: I want to avoid overleveraging and maximize cash flow from the start.• Property Management: Since I’m investing out of state, I’ll be hiring a property manager to handle day-to-day operations. 

So I would try to avoid that kind of debt, and try to only get low interest debt if you are needing to borrow. 

Plus, I could refi and pull some cash out if mortgage rates ever get back down in the mid/low 4’s.

Raise low rents to market.   4.) 

Sellers Get More MoneyWith wholesaling, sellers often need to take a low cash offer.

Why do you think the value is so low to begin with?

If not, well, a confused homeowner always says "No".𝗙𝗶𝗻𝗱 𝗠𝗼𝘁𝗶𝘃𝗮𝘁𝗲𝗱 𝗦𝗲𝗹𝗹𝗲𝗿𝘀: Look for property owners with a problem, in markets that favor buyers: increasing inventory, declining sales, price reductions, long days on the market.𝗡𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗲 𝗧𝗲𝗿𝗺𝘀: Decide the 𝘵𝘺𝘱𝘦 of lease option you are offering and craft the terms accordingly, agreeing on option to purchase price, lease duration, and monthly rent.𝗡𝗲𝗰𝗲𝘀𝘀𝗮𝗿𝘆 𝗔𝗴𝗿𝗲𝗲𝗺𝗲𝗻𝘁𝘀: Ensure your agreements are clear, legal, and protects all sides.𝗠𝗮𝗿𝗸𝗲𝘁 𝗼𝗿 𝗘𝘅𝗲𝗰𝘂𝘁𝗲: Depending upon the type of lease option and your objective, either assign the option to a buyer for a fee, or exercise it yourself when the time’s right.Lease options are a low-risk, low cost entry into real estate investing—start small, take action, then grow.