Finding any strategy to deal with increased interest rates, other than paying less money for properties, is in essence a gamble that interest rates will soon come down.

@Ryan Rush This business is full of gamble's and risks, it goes with the job... but I would never get so deep that I would put my family at risk..

Judah, i would rather go with the numbers, if you do them right you know it will work, taking a gamble on how you feel about a property is very risky, you could loose a lot if your not careful. i do agree with @Marvin McTaw, there may be other ways to unlock the value of a property if your gut got you to buy the place and its not quite working out the way you first thought. if you know that an area is up and coming and could raise the value then that would be going with your gut feeling and hopefully it works out, but again i feel the numbers and research of an area before you buy is the way to go.

But I view those as a losing gamble.

To be fair, this is more of a gamble and there are higher risks (but also higher rewards).

At this point, it seems like a gamble to try to predict where the adjustable rate would go.

And if yes, it sounds just like an additional cost only because you do not have enough of a down payment, but to call it insurance is fraudulent because it is just an additional cost for low down payment.  

Since there is no way I can do conventional financing, I joined BP to learn more about creative financing, wholesaling and other types of investing that I can get into with very little cash and or assets.I do have a small amount of cash reserves to work with but absolutely can not gamble with it.

I had a lady a few years ago said her lawyer would poke holes in my foreclosure, and I said very polite see you in court, and her lawyer called me wanted me to give her walking money, and I told her lawyer very polite she would not get a dime from me, that I had a surprise for her when we get to court, and the surprise is she used someone's else SSN and provide fraudulent income information on a credit application.

It's a fishy situation because your gambling on the fact that both tenants will maintain their jobs and continue to make the same income.