And, for those people who have more time than money, they can put in sweat equity into directly owned real estate.

Price point for duplex conversions are not bad with some sweat equity.

I’m also using a 6% vacancy rate, which brings the net monthly cash flow to about $200 and a CoC return of 13.06%.Summary:I’ve created around $50k in equity (difference between ARV of $200k and total investment of $155k).I’ve got about $10k or $18,385 left in the deal (factoring in closing costs).The cash flow is healthy, and the CoC return is strong, especially as a first-time investor.Questions:Does anything look off or could I improve the numbers?

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).

My interest rate and purchase price wouldn’t allow for positive cash flow unless I charged an unreasonable rent—or put about $500K toward the principal, which isn't ideal.I’m a high earner, so I’m weighing my options:Take the loss ($60K-$100K), buy another house, and chalk this up to a hard lesson learned.Refinance, put more money into it, and rent it out long-term—even if it’s not immediately profitable.Invest my money elsewhere and try to make peace with staying here for several years or just move.Would love to hear thoughts from anyone with experience in real estate, financial strategy, or noise mitigation.

I use a Manulife One and it has done wonders for paying down our primary residence (to a point where we were able to use some of that equity to fund our first LTR).

Put in about ten grand and a summer's worth of weekends in sweat equity and the deal is very sweet.

Buying as is properties in any condition from MOTIVATED sellers with LOTS OF EQUITY in the property.

@Matt Smith generally speaking it’s a combination of rising interest rates which have caused cap rates to increase (thus wiping out equity), debt is resetting at higher rates, rising opex costs due to inflation and stagnant or softening of rents due to an increase of supply.

But if you'd rather take the equity and reinvest in something with better returns or less hassle, selling might be the better move.