Super accurate.

Second offer which is $12K lower than list price, no rate buy down, and seller won't pay the buyer agent commission.Morgage payment with a conservative LTR payment is break even,  Coc is 6.3% , and I'm super bummed that my agent won't get paid.We could put in cash to pay him, but it would come out of the renov + Furnishings cast slotted for the property.Any creative financing thinking from this group on:How to pay my agent AND not dip into our cash funds for prepping the property?

Some HOA's are super strict (especially in neighborhoods built in 2010 and newer) and some have zero regulations.

I guess that's why I'm hoping someone has a super lucrative creative idea, lol.

And it's in a super convenient, central location, closer to downtown San Francisco than most of SF neighborhoods, and easy access to the whole East Bay.

If you want the houses to be super cheap look at Midwest locations like Cleveland, Detroit, Toledo, Indy, KC, Baltimore etc......

From there ones like Foundation Mortgage or Guaranteed Rate are super solid.

So again little effect.However, office started tanking even before interest rates began to hike super-quickly (due to covid and then changes to the way we work).

Umbrella is super cheap and will do the job.

Equity is it's chief super power.