The market has shifted a lot in the last two years with rising interest rates, changing rental demand, and shifting economic conditions.

Ask for a 70k payment and give them an interest rate that is 1 point higher than yours.

(Not being a vet I’m not sure of the interest rate difference but know that the 3.5% down FHA is often worse than a conventional 5% down.).

They could self manage for several years, using the rental income, until the next phase of their retirement.If they have a decent amount of financial discipline, they may want to get a HELOC now before they build to get the most favorable rate.

I also wouldn't touch hilltop with a 10' pole. struggled. old homes, over budget renovations, lots of issues. realtors push people here since it's the only place cheap houses close to downtown can be good but homes are 1900-1920.

I would not recommend them as their points and interest rates are so high it is extremely hard to find a deal that will work with the 0% down.

To maximize your investment, use financing options like FHA or conventional loans, analyze deals based on cash flow and cap rates, and network with local investors through REI meetups and BiggerPockets.Good luck!

Quote from @Brad Kremer: Hi everyone,I own a cash-flowing duplex in Austin, TX, that I bought 8 years ago when rates were considerably lower than they are today.

REI Game Changers is a beginner program that relies on cheap spray and pray list marketing.

Monthly payment is 1900 with a 6.5 rate and would rent for 2500