Quote from @Jerome Brown: Looking for some wisdom and to network with anyone buying in Ohio market (Columbus, Dayton, cincinnati).

I would never advise my customer to take a 5 YPPP considering we are have been moving into a downward trending rate market since 2024. 3 Year Prepay Max but if you plan on doing renovations or taking cash out on the ARV then a 1-2 YPPP would be Max.I would also advise buying the rate down before you decide to take a 5 YPPP using seller credit, equity or closing funds.

And then you got the vacation rental market.

Looking for a market that's only 2 flights from Anchorage. 

Buffalo is predicted to be #1 2025 Small City Housing Market of the year.

My short-term goal is to secure my first single-family and rental property, while my long-term vision is to build a thriving real estate portfolio that generates wealth and financial freedom.I’m currently learning the ins and outs of financing, deal analysis, and market selection.

It depends on what market - the midwest markets out here like Øhio have cash flow positive deals on the market.

Quote from @Hemed Tov: I would really get with someone in that market that can dig in see what is going on with the market (comps), and also maybe the rehab was not as good of a job of what the market is yielding at 300K property.

Are you getting the property at market rate or below market rate?

There's currently a website set up to get information from customers that have had this contract "sleight of hand" done to them.