WONDERING also if you do these kinds of things with Back Taxes- we ( my husbands BIZ and I ) are working on consolidating his business loan (bout 20k) from the pandemic days and then this back tax of 28k from his previous divorce days-  both very high in interest- and before we paid our work van off a consolidation program I reached out to was like - uh we can't help you-  anyways Im sure you can find my contact info via BP- my membership will close here soon as I will be back when we're closer to buying our first home- I am focused on building my business and such- Jesi Naomi on Social media - would love to talk- I love this membership - I just need to cut down on costs I haven't been using while getting our finances in order.   

Right now, we find that highly themed 5-6 bedrooms are performing particularly well, which is a departure form the 8,9,10 bedroom homes right after the pandemic.

Our rehab costs were way less back then (especially when compared to new construction), before the pandemic caused all sorts of havoc in every area of our industry.There can be a lot of joy and fulfillment breathing new life into an old home.

They did make up rules as they went along because lender #3 (we dropped him) cut the qualifying income by 35% based on pandemic k1 losses but lenders #1, and #2 did not count them at all since capital ownership was <20%.

Purchased with plan to live in permanently, put it as a STVR while traveling in our RV during the pandemic, and it did so well as a STVR that we decided to keep it as a rental and buy another cabin in Yosemite as our primary residence.

My interest rate is 3.875% and I did a $50,000 cash out refinance on it during the pandemic to help pay for renovations to the California SFH rental.

Also, the University had some major challenges during the Pandemic, reducing their available programs as enrollment dropped.Anecdotally, I have a friend who bought two adjacent houses to turn into University rentals.

My cash flow was a little negative, but for the most part I did thing my parents told me to of paying down a mortgage using rental income.By 2020 I had moved to a different state and a pandemic happened.

I want to shed light on the broader context of the real estate market, especially in blue collar cities like Toledo, which experienced economic challenges following the COVID-19 pandemic.

We are excited and eager to do things right, and we are willing to take reasonable risks.Some background: First I was a musician (two degrees), and now I'm an actuary (career switch when the pandemic started).