As a consumer, that certainly hasn't been my experience.

This shift is driven by consumers seeking affordable meal options amidst rising inflation.

If a property meets the 1% rule, it typically indicates that it can cover its mortgage and other expenses while still providing positive cash flow.35% Operational Expenses: This rule helps estimate the proportion of rental income that will be consumed by operating expenses, excluding the mortgage.

Also, you don’t need  $360k if the loan gets called; with a principal loan balance of $240k it would be more like $250k.Whether you do a wrap, sub to, or lease option when dealing with a owner occupant / consumer there are many legal “traps” to navigate because of consumer protection laws at a state level, and CFPB and Dodd Frank at the Federal level.  

It's only natural to pass these costs on to the consumer, it's the same thing with almost every other product you buy.

But don’t let this downturn deter you—there’s still plenty of potential for those who understand how to navigate the evolving landscape.The median sale price for townhomes and condos has edged up to $320,000, a modest 1.6% increase from last year.

According to the article in 2015 consumers lost ~$9 million from this fraud vs nearly half a billion dollars in 2022.A Silicon Valley executive had $400,000 stolen by cybercriminals while buying a home.

The 1% MoM increase in July existing home sales was just a taste.Here are the current odds on Fed rate cuts at upcoming FOMC meetings:Sept 18: 100% (same as last week); the probability of a 50 basis points cut roughly steady at 25%.Nov 5: US presidential electionNov 7: 100% (same as last week); 39% probability that rates will be 75 basis points lower than currentDec 18: 100% (same as last week); 44% probability that rates will be 100 basis points lower than current.They Said It“Despite the modest gain [in July], existing home sales are still sluggish.

Regulation Z does not apply to most commercial loans, and you do not have the same consumer protections as you would from a residential loan.

This negative position can consume years of cash flow to recover.