Yes, your rate will change but not much if you have good credit it will go up around 5.875% to 6%.

Finally found this one and took advantage of the low interest rates by winning the bidding war with an offer slightly above asking price.

I guess my question is this: is the very low cash flow (due to my low down-payment and high interest) going to improve?

I've been reading more about subject to and here's what I've learned:-Good for sellers who are off market-Have low to no equity-Have a mortgage with a low interest rate (less than 5%)-Be absentee or out of state (vacant property, or have a tenant)The buyer would then take over the mortgage payments, and have the seller sign the deed over to the buyer.

Another possibility could be a home equity line of credit (HELOC), if you have sufficient equity in another propertyGood luck with your project!

Nicholas makes a great point—having strong ties to a market definitely helps, and picking a random low-cost market without a network can be tough.

Low employee needs.  11.  

Case in point, years ago we used Olympic paints from Lowes, which were carried for a long time.

As inflation drives rent growth, properties in stable markets like the Midwest can continue to deliver returns even in higher-rate environments.Market Conditions Favor Real Estate RecoveryThe commercial real estate (CRE) market has faced significant challenges in recent years, but signs point to a recovery:Bottom of the Market Cycle: CRE appears to have reached its low point in late 2024, with 2025 marking the start of a slow recovery phase.Limited New Supply: High interest rates have curtailed new construction, which should drive rent growth in the coming years.Policy Changes on the Horizon: There is growing discussion about potential policy shifts under the new administration, including a return of 100% bonus depreciation and lower interest rates.

I also watch occupancy rates and adjust if bookings are low.