Example I think an S&P index funds are a bad “risk adjusted” investment.  

Just that the payment gets adjusted smaller.

Did you have an ARM that adjusted?

@Gash Nookala,Renting can indeed be slower in winter, but here are some tips to boost interest:Enhance Listing: Ensure your listing has detailed descriptions and high-quality photos—consider professional photography if needed.Competitive Pricing: Double-check local comps; even a slight price adjustment or incentives (like a reduced deposit) could attract more interest.Broaden Marketing: Beyond Zillow, Hemlane, and MLS, use social media, community boards, and local business connections to reach a wider audience.Flexible Lease Terms: Offering shorter or month-to-month leases might appeal to tenants during this slower season.Local Property Manager: A local pro can tap into their network and help fill the vacancy faster.These steps should help you find a tenant despite the seasonal slowdown.

It’s easy to manipulate projected returns by making a few small adjustments in the underwriting and proforma.There is nothing guaranteed with any investment.A few additional comments:1. 

Yes, you can put down 10% for a second home, HOWEVER the rate adjustments for a second home and investment property have been the same for several years now.

Her GoFundMe Headline: Hollywood in Milwaukee: Foreclosed Spaces to Film StudiosDon't judge too quickly, she is adjusting for focus in life and moving into a new chapter.

Keep in mind after 5 years rate gets adjusted to market rate at that time.

adjust your price, be aggressive on it and it will rent.

Fannie/Freddie both allow up to 90% financing. https://singlefamily.fanniemae.com/media/20786/displayHOWEVER, the  loan level pricing adjustments are HUGE on these loans: So, the rate and costs will be very high.