@Amir PortalFort Worth (Southside): Affordable entry points with growing rental demand due to development and school proximity.Arlington: A solid mix of price points and strong rental potential, especially near UT Arlington or entertainment districts.Focus on areas with rising population growth, job opportunities, and low vacancy rates.

DSCR loans are not that low and regular hard money loans will be in the double digits.

All original tenants were long term low rent tenants.

Also the hit rate per property is really low.

I don't see it as an issue but many still do, at least in my small town where the majority of renters are elderly people looking for low maintenance housing options.

Get a firm quote before committing.If appreciation is low, ensure rents are strong enough to justify the effort. 

When loans were called, was it due to specific triggers like delinquencies, insurance lapses, or low-interest rate portfolio loans held by smaller banks?

-Ray (see above) is the man and can get you hooked up with great rates and low-fees!

If your house is old, value is low. 

I do however think as things clean up systematically, cashflow will improve and the benefits of low capX exposure in near term and appreciation will work out.