Rates are higher, requirements for down payment are higher.If 50%+ of the sqft of the property is for the apartments then it should be easier to fund. 

I bought one house at a 7.25 interest rate and the one with all the upgrades is at 3.865.

With the Income Approach, the appraiser is going to evaluate the income and expenses of the property to develop the Net Operating Income, then they'll apply a market Cap Rate to the deal.

I thought, who does a 5/1 arm right now, rates are the lowest they have been in years?

We buy distressed debt and if we take a property back we will sell it but do not discount it we will list it for top dollar because we know there are buyers out there.

Hey @Adriana McLaughlin - This is actually the FIRST TIME I have heard of the term "ALL-IN-ONE-FIRST-LIEN", but after doing a little bit of reading on it I am not sure I still completely understand.Basically, you apply for a HELOC credit payoff your existing mortgage with this variable HELOC and then in theory have some leftover as well...so the advantage is paying off your loan early and getting access to a line of credit, but the disadvantage would be a variable rate mortgage for the reminder due on your orginal first mortgage? 

With current prices and interest rates, you're not cash flowing with LTRs.

I will give you the numbers then tell you mu strategy idea. house purchased for 415,000 in august of 2020 at a sub 4% rate but I treat it as 4% because I am not 100% sure what the rate is (I am getting into contact with realtor soon don't worry)The house could rent for 2,500 per month at minimum and I think I could get 2600-2900 but not 100% sure.It is now on the market for 600, 000 but I think I could get it to 575 since it has been up for a couple months.well 575,000 at a 7% APR is way higher than the rent so I was thinking I could do a seller financed route.

With low cap rates and high revenue and profit, valuations are off the charts!!!...

I am opening a business in Mexico city (Hair salon) for my wife so get some short term income, Also I am heavily invested in the US stock market but at this time it is not going no where until we have some rate cuts.