This clearly has nothing to do with laws, regulations or operating numbers but I do think it plays a large role in the decline of the market.

Is it possible to purchase the unpaid taxes as a lien investment that will permit foreclosure within a specified time frame?

They negotiate with the credit card companies on your behalf, helping you get the largest possible credit line.

Best bet is to try local and credit unions, possibly may have some programs for better rates.

I know real estate is a long term play but you never know when you'll need access to that capital.There are turnkey companies out there that handle the entire process for you from top to bottom so it makes for an extremely passive investment.

If you are looking to buy in PA, its possible you can qualify for PHA KFIT program that gives you a 5% closing cost forgivable loan.

Another possibility is looking into a home equity line of credit (HELOC) on your personal residence, which could help you tap into available equity without a large lump-sum repayment upfront.

House hacking could possibly at least cut that painful expense so not saying you shouldn't do but really watch your numbers.

Fix it.We eliminate as much landscaping as possible: we take out flower beds and most decorative features, ideally, lawn mowing is the only job tenants have to do, because we know that's all we can expect from most.

My goal for this year is to work on buying my first investment real estate property in 2025 and possibly a second before year end.