Then you have to understand MOTIVATED seller leads generation.Once you do, you will soon realize that it is not possible to target motivated sellers.Anything based on a list is not even random, it is worse than random.Fact 1:I rank #1 on Google for my market and thus I get a ton of organic actually and truly motivated seller leads.I rarely get foreclosures, absentee owners, probates, tax liens, divorces etc.

You are looking for motivated sellers.

The seller was motivated to sell, allowing us to negotiate terms that fit our strategy.

Still, there has to be a shared motivation to grow financially and a shared understanding of the risks involved with the particular investments you are looking at.This should be obvious, but I know from talking to investors for over 30 years that it's not.It's very difficult to be a successful real estate investor if your spouse or partner is not on board.

You'd think they'd be motivated. 

Writing down my debts and seeing them become smaller over time still doesn’t compare to the feeling of being able to watch my real estate portfolio grow while I’m paying off my loans – it's an incredibly motivating process.

What factors are influencing these choices?

People just want to be right...rather than being effective in influencing others.

I suppose you could say the benefit is realized if rate comes down but nobody expects that near term and the early few years are going to be highest to a borrower who is motivated to pay off his mortgage, either AIO or fixed.If a borrower got a fixed and threw his money to principal every month (aside from emergency fund), even if he made that payment inefficiently (last day of month), it still is better than being super cash efficient at a higher rate.

Everyone wants off market.You DO NOT want off-market deals.What you want are MOTIVATED Seller off-market deals!