Money was expensive over there and at the time, I didn't know how to get hard money to do rehabs. 

If you are concerned about a 1M umbrella that, makes me think that your current policy is way too low for 10 houses.

Your NOI seems very low IMO.

Cash flowing markets, low taxes, landlord friendly and large demand in renters. 

Just guessing the numbers.If we put down $400,000 together with an interest rate of 7% (it could be higher), then im guessing the monthly mortgage with insurance and tax would be around $3,886.If each unit rents for $1,500/month: Total Monthly Rental Income: 1 , 500 × 4 = 1,500×4=6,000 Monthly Expenses: Mortgage (PITI): $3,886 Maintenance/Repairs: $500 Property Management: $600 (10% of rent) Vacancy Reserve: $300 (5% of rent) Total Monthly Expenses: 3,886+500 + 600 +300 = $5,286 Monthly Cash Flow: 6,000−5,286 = $714We split the profit in half so each person takes $357 a month..How much should we be profiting from this in order to make it attractive to jump in? 

I found out that the seller is very motivated and is offering ALL types of creative financing options with rates as low as 3.75%.

@Brittney Yang surprisingly I have found that I can have glue down LVP installed by a local flooring company, we use Artisent Floors, https://artisentfloors.com/, for our local renovations and they are awesome and they can do it for less than what I can buy the product for at Lowes or HD even with my 10% military discount! 

Also, some loans (like FHA & VA) are assumable, meaning you can take over the seller’s low-rate mortgage instead of getting a new one.Mid-Term Rentals for Better Cash Flow – If long-term rental numbers aren’t great, look into renting to traveling professionals, medical workers, or corporate tenants.

This has made financing more expensive for buyers, but it has also led to less competition in the market, creating opportunities for those who are financially prepared.One of the biggest factors to watch in 2025 is new housing supply.

. +/- 50$Current rents are 1000 per side which they say is low because it's paid off for my family member They say market rent is easily 1200 per side I would likely inherit a tenant on one side at 1000/mo , older retired single guy So if I house hacking and pay 1200 and raise their side to 1200 it's would cash flow about 150$ not including maintenance so.