Working in low-income areas, I have a few with disability payments.

(like ac or heat where you’d probably have to pay for a hotel.).

Also, if you feel a partner who may be able to lower the interest rate is necessary to make the transaction pencil, you are dealing with too low of margins.

The current interest rates are more the norm and what we saw for the last 10 years was 'free' money due to the low interest rates. 

Quote from @Bonnie Low: Hi, Mike!

I've often heard BP use the terms "Cash Flow markets" and "Appreciation markets", and they are generally referring to low-priced markets as "Cash Flow" and high-priced markets as "Appreciation".

Inventory is historically low, many new agents have the aura of desperation.

Maybe we can call it the "Ohio Cartel" lol@Pradeep VelugubantlaBeen based in Toledo for 10+ years now.Updside:1) Low entry, high cashflow2) Blue collar employed tenants that pay rent3) Homes well kept4) Certain pockets have infrastructure that supports tenant and homeowner demandDownside:1) Tertiary market with declining population from a macro standpoint2) Not much upside from an appreciation standpoint3) Unsophisticated work force.

If the loan amount is higher than $1 mil, we can achieve a rate in the low 6s on a 5/6 ARM.

More doors, more return, more loans, more creativity, more more more..... what about 4-8 paid off rental properties in desirable areas w/ a super low headache factor throwing off $8-10K net per month?