For more expensive properties, the flat fee means the credit/refund increases exponentially, like $19,000 on a $1 million property.4.

It’s now estimated that Texas has 31.29 million residents, up from the 2020 count of 29.15 million.But Texas also ranked as the top state in the nation for domestic migration and natural increases over the past year.

With your income, you may qualify for an FHA loan with a smaller down payment, but buying now could limit your borrowing power and increase monthly payments.

If private companies continue to provide the insurance, I suspect we will see further increased premium costs which will need to be reflected in the rents tenants pay (all tenants: LTR, MTR, STR).  

Pretty incredible how rapid the demand has increased in the past 12 months especially. 

Also, hyperfocus helps me find a home with the right conditions - a stable but increasing-value neighborhood.

I don't know if I'm getting much appreciation on a duplex unless the rents are significantly increased.

That does not require employment or job seasoning instead it uses the rents to qualify and you can take out up to 80% LTV cash.Use the cash to put down on the next 1-2 or more properties as long as the other properties are debt servicing themselves it opens up more opportuities to buy more future assets and increase your passice income.  

However, investing locally has become increasingly unfeasible and unrealistic due to the high costs.

I just bought a lovely 8 unit last April that had been horribly neglected but have turned it around and done some cosmetic renovations and increased rents.