However, rates have since moved upward.A 30-year fixed rate mortgage is once again sitting around 7% interest:For broader context, here’s a chart for 30-year fixed mortgage rates over the past 5 years:The real estate industry hoped 2024 would see a recovery in which mortgage rates fell and home sales climbed.

Or the house construction industry in general where they build for $X and sell for $X+margin?

Does not affect your debt to income for future loans in the mortgage industry (auto loans could look different, but i would think similar so hopefully no worries there). 

Though I would caution you on hard money lending until you understand the industry a bit better, that can be very rewarding but you have to be able to do your due diligence on deals because you're turning over your hard-earned money to an individuals project, often a flip. 

I certainly don't want to get into the business of being a "bottom feeder" that takes advantage of people, but if there is space in the industry for someone to help people in your situation while making a fair profit, I wouldn't mind learning more and getting involved.If interested, message me.

We are finding many properties needing light to moderate rehab in the 100-125K range.  

The Property Manager usually does light cleaning and repairs between tenants.Recommendations or another way to think about this? 

YUP anyone advocating this to the public is not doing the industry any favors to many bad apples and even if your the holier than though trainer etc etc.. the students are such that you cannot know who is going to be a bad apples and screw people.. having spent 40 years lending money to investors .. its the nicest ones up front that end up being bad apples.

Not WAIT for the most popular platform in the industry to dump them all at the SAME TIME in the SAME PLACE AFTER they have been posted somewhere else first.Read my profile for further insight and  if you want the study I done I can post it here. 

So right now our main goal is the cash flow because in the end that is the way we will be able to move up in the real estate industry.