I found this deal through a wholesaler in my network and I negotiated with the wholesaler to get a lower price with the buyer because of an issue with an attached empty lot.

Let’s break it down:Loan: $300,000Base Rate: 8% (P&I: $2,201)Buydown: 1 point ($3,000) lowers rate to 7.75% (P&I: $2,145)Monthly Savings: $56Break-even: ~54 monthsHolding long-term?

Don't forget to NOT get desperate and lower your screening criteria!

I think that’s a great first step to do some of the leg work on potential financing for buyers.

Hey Brandon,I had good success by getting equity lines on properties to access the cash to invest again. 20% is certainly not essential if you want to go lower there are many lending options for lower down payments, especially if you are willing to house hack!

The food is great and it significantly lowered our food costs. 

Was going for the best cost-of funds (lower rate)

I also suspect inflation will drive continued migration to lower cost of living / lower tax states.  

In the winter the gas bill is a lot higher due to heating, but electric is lower.

I will use a lower-cost QBO alternative, like Xero.