If the cabin were cash-flowing, we might use the excess cash to continue paying the loans over time and bet on the equity growth to continue to be a positive for us.

If you can generate a return in excess of 8%, then you can borrow the down payment from private investors, or even the entire purchase price if your hard money loan was at a higher rate than this.

Based on the provided real estate data for San Jose, CA 95111, there appears to be a seasonal pattern in home sales activity and prices:Peak Season (Spring/Summer)The data shows a higher number of home sales occurring in the spring and summer months, particularly from March through August.Home prices also tend to be higher during this peak selling season, likely due to increased buyer demand.Off-Peak Season (Fall/Winter)There are noticeably fewer home sales recorded in the fall and winter months, from around September through February.Home prices also tend to be somewhat lower during this off-peak period compared to the spring/summer months.This seasonal pattern is quite common in real estate markets, driven by factors such as:Warmer weather and longer days make it more convenient for buyers to go house hunting in spring/summer.Many families prefer to move during the summer when children are out of school.The spring market is fueled by annual bonuses/tax refunds providing down payment funds.Sellers often list their homes in spring to take advantage of the higher buyer demand.However, it's important to note that this is just a general observed trend.

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

Even if the homeowner got the excess funds imagine the bid is $100k.

I have some perspective on this.For me I see this as the market finally catching up with the excess inventory created by residences moving out of OHIO and that area to the south..

It seems excessive now that we are really taking a hard look at things. 

Use the excess cash to buy more real estate

Ensure you get a detailed fee breakdown.With your solid income and credit, you should be able to find a more suitable loan without excessive fees, so I'd recommend getting a second opinion.

It reaffirms that by taking action, continuously learning, and being willing to adapt, investors can achieve their goals without the excessive financial burden of costly courses.Thank you for sharing your wisdom and encouraging fellow investors to take the leap and begin their own real estate journeys.