While it’s beneficial that the buses are fare-free, job opportunities in Worcester are dwindling due to the dual tax rate on commercial property.For Worcester to thrive, it’s crucial to develop a balanced ecosystem where residents can live, work, and shop locally.

.- Interest Rate: 6% interest only for a term of 5 to 10 years- Prepayment Penalty: 2% if the loan is paid within the first 3 years- Equity Upside: Investor receives 30% equity of the appreciationWhich option do you think is more attractive and why?

With a few month's before some note's expire they send notice unto their regional lender inviting lender into a negotiation of consideration because there intentions are if a mitigated arrangement can not be meet, with market rate offerings on debt not tenable, there going to walk away and exercise strategic default. 

@Tatyana Sherban Considerations are speed, imterest rate and other terms, hassle and complexty of getting loan, and in some cases probablity of getting loan. 

Also consider checking out some local meet REI meetups.

That means their overhead is way lower, so they have no pressure to increase rate to what you will need to get to cash flow. 

The third pic is ten percent down with us us buying the rate down to 4.5 percent.

The short version is do lots of research and buy Class A or B (you won't cash flow at 7% rates on LTR, unless you do MTR, STR or some creative strategy).

It will also allow househackers to get their foot in the door, in a higher priced market/higher interest rate climate.#4 Higher Appreciation Potential:Single-family homes tend to appreciate more consistently and at a higher rate than small multifamily properties over time.

Since interest rates have increased I have begun to use the Land Trusts (LT) for buying Sub-To.