Legal and ethical implications: Agents engaging in such practices may face:Legal consequencesLicensing penaltiesEthical violationsThese actions ultimately harm consumers by restricting options and potentially inflating costs.The new system, allowing buyers and their agents to negotiate commissions directly, promotes transparency and fair competition.

Before you can tell, you need the answer to a lot of different questions and then know how to apply them:What is the remaining term of the assumable financing?

I'm new here so may not have a full view but the overall climate seems to be-anything to make a deal-ridiculous financing, leverage the home you life in-who cares where it is located it will be easy to rent/manage from hours away-don't be gracious with your tenants and housekeepersMy guess is a tilt toward young and not financially stable which is awesome if remaining sensible. 

I work with OOS investors from similar west coast inflated markets to make some passive income here on great properties!

Regarding the issue of rising interest rates, ensure that the DSCR remains robust under higher rates and lean towards fixed-rate loans.

New unit: 4-unit multi family in which 3 units (with existing tenants that will carry over from seller) will remain investment; I will move into (currently empty) 4th unit AND USE as primary residence with primary mortgage.

Some examples:Section 8 typically covers 80% of the rent (depending on tenant income), with tenants responsible for the remaining 20%.

I'm of the idea though that now is a great time for Americans investing internationally (because of our inflated US dollar).I know I'll be giving $10K to FIRB.  

Are you having issues with tenants paying the remaining 30% of rents due?

It has 5 years left of fixed debt remaining, which makes me feel okay about it.