Was thinking of taking about half of the deposits we currently have and doing some short term (12-24 month) CD's as a revenue stream.

The problem with the scenario isn’t that the loan to value is out of wack, it’s that the buyer has no “blood” in the deal, and can psychologically more easily walk away.  

I have two 8 unit buildings and one 3 unit, so a fairly steady stream of empty units during the year.  

Conversely if I start building relationships with other investors who might have funds available (but not the time to look for deals), what value do I provide if I do not already have a ready stream of possible deals.

Have a few turnkey BnB properties I'm evaluating but not sure how to assess flowing revenue streams.

Adjust price but not the criteria mid stream.

Strawberry Mansion, Cobbs Creek, Darby etc..In Philly you cannot by law have more than (3) people unrelated by blood/marriage /adoption in a unit just as an fyi.

We’re seeing a big shift on MLS-listed properties now compared to the peak a few years ago: much higher DOM for certain properties, much higher inventory in certain market segments, more price adjustments etc. lot of deals on the MLS these days because buyers aren’t active at all, while some sellers still think it’s 2022, they’re getting greedy and listing way too high then  don’t adjust quickly enough when they have zero showings or offers, and let the listing get stale, then eventually cave when all they’ve got in hand is a blood-sucking offer from someone like us ;).

Corporate travel, divorce, etc. are other potential tenants.If costs in your market allow, I would encourage a duplex purchase vs SF...potentially 2 income streams vs 1 would help offset the extra cost of a duplex.  

In the blood.