Construction is mainly CMU, Concrete, and Steel (at least for my projects), and there is a bottle neck of those resources as only few supply the area.

Pull off the Band-Aid.

You can get away with using 5% for Class A tenants, but we use 10% for Class B and lower. 3) Tenant Payment Performance: you didn't mention this, but it is important!

Quote from @Lauren Cutchen: Is there anything you can do about the scratch marks made all over a stainless steel stove? 

Even if you use piers, they are usually concrete (which is OK for most lenders), steel or wood on concrete.

I've built my business plan for 2025 to go after Cash Flow first, appreciation second, in B and C+ areas. 

@Michael Doherty and @Mike Auerbach and @Ellen Steele Don't forget the additional tax benefits available with cost segregation on the new basis as well as 179D.

From which we can decide if we jump on the band wagon or not.

.- Stick to B and C+ Areas: These neighborhoods balance affordability and tenant quality, minimizing risk.- Analyze Properties Remotely: Use tools like BiggerPockets calculators to evaluate deals.

However, tenant's credit history will take a dive and be on record and since I'm the property manager (me / owner), I will not vouch for tenant when seeking for a place to rent in the future.If I go with option "b" and the tenant / tenant attorney agrees and signs an agreement to make it official , at least I can get back my money within 10-15 years.