This can level the playing field for individuals looking to purchase a home for personal use.Potential for Profit: Investors may find HUD properties to be lucrative investment opportunities, especially if they can acquire the property at a discounted price and make necessary improvements before selling or renting it out.Cons:Limited Availability: HUD properties are often in high demand, and competition can be fierce, particularly for properties in desirable locations or with favorable characteristics.

Either way is a gamble but if they are a legitimate business you may have a chance at 25-50 cents on the dollar or more and that's a better return than zero.

I gambled what I could afford to lose, just I don't like losing.

Gambling on yourself in REI by liquidating your retirement without first having any experience, is very bad advice, imo. 

So I don't gamble on it. 

If you want to gamble on appreciation just go to the casino and put it all on red or black at the roulette table. 

But if you want to increase your DSCR you could purchase broken SF so you buy with substantial discount ; or you buy SF that has characteristic of MF, such as having ADU.

This page is a good place to search for details about a property, especially the [characteristics] tab, which provides information on the building and land.

. - Understanding the existence of tenant pools and their characteristics is not common knowledge.

We all have our own individual characteristics and aspirations.