Also, while you might have to put down 40%+ in some countries, it isn't typical and, again, it's not the case in some of the countries you mention. 

@Austin TessMany lenders have a seasoning period (typically 6-12 months) before you can refinance.

It does share similarities with annuities, but the structure is designed for a specific audience:Property Owners: Typically those who already own income-producing properties but need liquidity for renovations, debt repayment, or other opportunities.Investors: People seeking exposure to real estate cash flow without the complexities of direct ownership, especially those already familiar with stocks or REITs.Again, the idea of the model isn’t for everyone.

Some examples:Section 8 typically covers 80% of the rent (depending on tenant income), with tenants responsible for the remaining 20%.

Here is a list of what adding ADUs in my CA market is typically a poor RE investment:1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.

i agree that a new purchase at 75% equity will typically not have significant cash flow and may even be negative when properly allocating for all expenses.Investing to max equity without reserves is risky and you indicate would result in stress.  

These are not great investments and while the experience is not typical for Memphis, nothing I've read or seen should lead you to believe your experience will improve.  

Many houses that have gas only have 100 amp service vs the 200 amp that is typical of all electric homes.

You’ll typically find professionals or higher-income renters in these neighborhoods, so it can make a big difference when it comes to peace of mind and property maintenance.

This is typically the slowest time of year for tenant placement, at least in our local market.