It is not a scam, but you will have a very hard time finding a deal that is worth working with them, and frankly you are going to have to find someone that does not understand at all what their property is worth and get them to accept a super lowball offer to make it worth it. even then their points and fees will eat up so much that getting the 10% down loan will have a much much higher profit margin.

Some people make 4x the rent but squander their income on eating out, drinking, car payments, etc.

I am wondering what it takes to deliver a higher customer experience, equivalent to receiving a warm wash towel at a restaurant table before you eat. 

Here's a quick breakdown:Unforeseen Property Issues: Hidden damage, bad tenants, major repairs – these can eat into profits.Vacancy Woes: Empty units mean lost income, impacting cash flow.Market Downturns: Property values can drop, affecting your investment's performance. 

A couple months of vacancy, a soft rental economy, or a major expense could eat up your equity.

Eats up time and money getting rid of a bad tenant (not to mention possible property damage). 

Higher property taxes can eat into your profits, so it's essential to factor this into your calculations.It's worth asking yourself if you'd want to live in the markets you're considering.

Kentucky keeps eating! 

A good deal won’t matter if your contractor delays the timeline, eating into profits through holding costs.

The tenants have paid and if someone is thinking about moving out then an extra surcharge that hits if they aren't out in time for us to turn the place for a lucrative AirBNB short term rental can help massage the move out timing.That said with MTR we do not have the cleaning costs that eat up a lot of STR gross, and its lower hassle in some ways.