If I add up all the lender fees and my holding costs—like points, origination fees, and interest —I can figure out how much profit I’ll make and what my maximum offer should be.

Being that rates are up it's another way to offer exatly what you mentioned; the chance to own for a couple hundred bucks more than renting.Thoughts?

They would offer a more hands free approach, but eat up the profit in return.

These properties tend to hold value better and offer stronger appreciation compared to duplexes or small multifamily units.

(Anything that isn’t your primwry first is only tax free on a pro-rated basis.)I don’t know how you could swing it but…If they gifted you the kand they would avoid their capital gains tax.

I can't say when that will be but 4.125 is quite a lot depending on the rate you get.I personally want a hassle free funding experience and the lower rate.

We are a Lender that works with first time Investors a lot, we can offer a more tailored experience for you. 

Any landlord that offers this should have their head examined! 

You aren't required to offer a loan mod prior to foreclosure.

Feel free to reply here or DM me—I’d love to learn more about your investing strategies and see how we can help each other succeed.Wishing you all a successful and prosperous 2025!