You can do this without bankruptcy and if you continue those new habits you can move on to buying an investment.

@Alan Asriants I continue to BRRR year in and year out.  

Anyway thinking for a bit we will continue on this path and look for more old houses but, of course, the price has to be right vs the amount of work that has to be done. 

Do you think it will affect the types of deals they pursue, or will the demand for flexible financing options like private lending continue to grow regardless?

I will continue to expand, and I will continue this path that so far has been successful.

Although 2024 was generally considered a seller's market, based on what's going on in the new and the real estate market --- Do you think 2025 will be a buyer's market or continue to be a seller's market?

Take your time to clarify your goals, and be ready to continually learn and network along the way.Remember, each step you take is a valuable experience that brings you closer to success.

We are ready to continue investing and are interested in traditional financing but want to learn more about Subject To and private equity and other creative financing methods. 

<<< Correct, that is exactly what I am referring THIS IS your tradeoff most of the time when using turnkey companies AND WILL CONTINUE to be your tradeoff even when using a realtor IF YOU DON'T VERIFY YOUR NUMBERS. 

From my own personal experience and from others I think most reach the "tipping point" from self managing to using a PM somewhere between 5-15  units, especially if you have a W2 and want to continue to scale.