Some are even getting creative with their deals, using strategies like seller financing or joint ventures to reduce their dependence on traditional loans.It’s definitely a challenging environment, but with the right strategy, there are still plenty of opportunities out there.Thanks for sharing your insights!

Thank you so much for this invaluable insight.

I’m looking to connect with others about investing in these areas, whether to provide support and hopefully guidance to avoid landmines or to learn and gain insight and share resources in order to gain strength though shared successes, challenges and ideas

And if you've been through this yourself, any insights on what to expect would be greatly appreciated.Thanks in advance.

Thank you for taking the time to reply and for the detailed insights – I really appreciate it!

Hi, I'm in the process of deciding between two mortgage options for a loan amount of $180,000 with a 30-year fixed-rate term, and I’d love some insight from the community.

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy+tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

Would love to hear your insights on these developments!

That has given us some insight into our local market (a small city of 100k in the South).

Any insight would be helpful.