And I would like to stretch it out longer to improve cash flow.

, whether there's a high water table that encroaches on any underground utilities or foundations (and does that water table have significant seasonal water level variations), encroachments by roads or other improvements on your property, limitations imposed by easements or rights of way, etc.

But then, looking at your profile, I realized you live in the Netherlands now.

So as the new build went on, we focused on improvements to our first home and got it ready for tenants.

Furthermore, it aligns with the growing trend of home improvements that enhance daily living while maximizing investment returns.

This would buy time to improve cash flow or explore better refinancing options.Ask Your Lender: Would they consider lowering the rate temporarily or extending the loan period while you stabilize cash flow?

It’s worth researching to see if this might be a good fit for your situation.Lease Structure and Clauses: Work with an attorney to draft a lease with strong clauses for late fees, maintenance responsibilities, and other terms to protect your interests.Target Stable Tenant Profiles: While no tenant is risk-free, targeting tenant pools that historically have more stability (e.g., retirees, dual-income households, or tenants relocating for work) may reduce risk.Stay Up to Date on Landlord-Tenant Laws: Understanding your rights and obligations can help you navigate issues more effectively if they arise.That said, if the potential risks are keeping you up at night and the financial pressure of an eviction would be too much, selling may still be the best option for peace of mind.

. -- Thus, you can expect to get Class C or D tenants, which have a 15-25% probability of defaulting on their lease payments.2) If your PMC is lowering FICO to 550, what are they doing to improve their screening in other areas?

Utility improvements.

If not, work on Improving it before purchasing an investment property.