I'm an experienced investor that's emerging from a difficult period.

However, I'm guessing the reason you're saying you need to wait 4 months is because of a required seasoning period?

The EPA wants all lead pipes replaced, period.

Most who make $500k don't have nearly enough dry powder on the sideline to scale a real estate business quickly enough without making huge personal sacrifices for an extended period of time.

This prevents evictions for non-payment of rent or a lawsuit for collection of unpaid rent for an indefinite, unspecified period.

We also went to an auction so we could learn the ins and outs and know how to be able to buy and be able to get the funding from his company within the 72-hour time period auctions sometimes give you to pay.

At that time the lender gave you a fixed loan for a certain period of time with so much down and a certain amortization schedule.The debt service coverage ratio example.At DSCR of 1.25 means for every dollar of mortgage payment the NOI can cover 125%Your current lender back in the day might have done say for example a 1.10 DSCR ratio because absolute NNN and investment grade so perceived risk to them was low.

Stick to the numbers, period.

For what it's worth, I went through 5 different property managers in 2 different markets (one local, one out of state) over a period of 5 years, before deciding I would self-manage everything across both geographies beginning last year.

@David Pike For what it’s worth, I was on a call this evening with a very experienced real estate investment company who stated they don’t expect any material reduction in interest rates for extended time period.  Based on their long-term track record, I would think their opinion is as good as any and better than most.