Purchasing all cash or using debt?

I am not a bankruptcy expert, but isn't that procedure used to release people from existing debt but not monthly expenses.  

The 4% and 6% rates are just the names given to differentiate commercial and owner-occupied.The 6% rate is obviously significantly high, but it's fairly average nationally.

You guys need to get rid of that student loan debt.

Want to know the best way to have a win-win in private lending---> do not give someone a loan who does not deserve it.We buy defaulted debt and I cannot tell you how many deals we are seeing right now to people who have never flipped a property and the numbers from the outset never worked, it also does not go into people without experience, its people with experience but attempting to work out of state or in other markets. 

Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

I know it is still down season, so listings are thin (especially for MF which is our preferred route), but it is starting to discourage me; like we've already missed the train of cheap debt and rapid appreciation/inflation that so many others took advantage of in recent years.Are my expectations set too high for my target area? 

While home prices have cooled slightly from their peak, affordability remains a significant barrier.According to the National Association of Realtors, homes in the U.S. spent an average of 36 days on the market in January 2025, a slight increase from last year but still well below historical norms.

If you don't have the extra cash, can you get creative with a private lender or partner stacked on bank debt? 

If you don't meet that 12 month seasoning requirement and/or want to hold the property under an LLC, a debt service loan may be a better option.