They will give it to them and then convince them a 10k course will take them to the next level.

I wouldn't recommend trying to do something like this right off the bat, I think you need to get into the game and really know what you are doing before taking on that level of risk.Happy to chat more over a phone call or direct message if you want more insights or have more specific questions!

Depending on your level or preference of analysis, data and their providers are incredibly important and difficult to obtain when it comes to real estate underwriting.

Costs will be more and the work level will be greater.

One of the smarter recent strategies is the owner is living in the ADU and renting out both levels of the main house on AirBnb.I invest in the Bay Area and Indianapolis metro area (Class A suburb and Class C).

I don't believe that will change as long as the school system and public safety levels remain some of the worst in the state.

Long story short if you are committed to house hacking the sky is the limits and there is endless possibility, it really comes down to your comfort level and where exactly you need to be in New Jersey.

Over my time (over 30 years), if your lender will make a call to the seller/seller's rep to explain the level of due diligence we've done on the buyer usually goes a long way.

However, there are types of tenants (similar to travel nurses in the US) which can be tapped into providing a consistent level of higher rents.

Strong jobs reports had a larger effect on the 10 year treasury, followed by strong retail sales numbers, followed by EU inflation numbers, then followed by election results but honestly election results only affected rates for a couple of days.Lots of pressure on treasuries from the level of debt the US is carrying, but remember the Fed is also still doing quantitative tightening (while cutting rates) which is additional upward pressure on rates.