I’m taking a risk in the assumption that the interest rates will or may go back down sub 5 percent.  

Make your assumptions, and make your plans.

I made it by, but was never able to refinance due to various circumstances and none of the mortgage companies (it switched quite a bit) allowed a loan assumption to put it solely under my name.

All the points you are making support my assumptions. 

What rates and leverage are you using as your assumptions

It challenged my assumptions, so I thought I'd share the key points:- Rents up 25% since 2020, but wages only 22% - ouch.- 50% of renters now "rent-burdened" (>30% income on rent).- Landlord costs skyrocketing:      - Insurance: +30% (thanks, climate change)     - Utilities: +30%     - Property taxes, materials, maintenance all up     - Even lawn care and cleaning services cost moreThe article argues these costs are being passed to tenants, not just padding profits.

If you're a buyer agent finding off market deals, you can now charge even more for your service due to the extra headaches.Some of realtor folks here are always making funny assumptions :-) why in the world the part time agent would get flushed out, the other way around could be happening too because as the cake is smaller, it's almost no make sense to have living as full time agent lol also there's no such thing as good and as bad agent, if good agent offering 3 percent and lousy agent could offer 1 percent , buyer can still flock using the lousy agent. 

-"notice of assessment lien"  I think this is for not paying the HOA (He claims he did pay the HOA) about 3k-"transcript of judgement"  It looks like he owes a credit union 16kFor what it is worth, he has hired a lawyer to try to get out of his debts.Are the following assumptions correct?

Assumptions take months.

My assumption is that inside installation will cost at least $2000 per home.I will call the local utilities because I think they have a flat rate for doing the outside work.