Accreditation today has a seemingly lower bar than it was, say, ten years ago due to inflation.

Inflation will cause rent to go up and if your debt against the property is based on fix rate, your odds will only get better.

It's crucial to evaluate how the deal performs with the new mortgage:Updated Financials After Refinancing: Market Value: $459,000 Mortgage Amount (80% LTV): $367,200 Equity: $91,800 Interest Rate: 5% (30-Year Amortization) Assuming after 12months the rate will drop to 5%Monthly Expenses: Mortgage Payment (5% Interest): $1,971 (Now you are paying interest and principals) Property Tax: $260 (assuming has been increased with a 4% from last year) Utilities: $361 Insurance: $104 (+4% Adjustment) Vacancy: $166 (now after 12 months we can assume we have some vacancy at 5% factor on annual rent) Repairs & Maintenance: $166 (now after 12 months we can assume we have repairs at 5% factor on annual rent) Total Monthly Expenses: $3,028Rent Income after 12 months assuming annual rent increase at 5% : $3,323Cash Flow: $295$ per month 😊Long-Term Gains: $5,418 Principal Paydown year 2 (this will increase each as you pay off your mortgage $36,720 Property Appreciation (assuming 8% per year) $3,540 Cash Flow (this will increase as rents rise)Total Annual Return on Investment: $45,678 with just $ $22,789 remaining in the deal.

It’s still a competitive market, but Texas can remain a great place to buy with the right strategy.

This way, you'll have access to liquidity without the headache of managing separate loans and fees.Predicted Refi Rates: While no one can predict rates with absolute certainty, the general consensus is that rates may stay lower or remain stable in the short term, barring any economic shifts.

I agree with Collin in that prices dipped, but overall the market is remaining strong.

Quote from @Griffin Malcolm: The typical experience that I have had flipping homes with solar and also helping buyers/sellers on sales with solar is that the seller ends up having a request from the buyer to pay the remaining balance off from the solar debt on the home without increasing the value.

It was like that the remaining of the day and the next day: every 1-2 hours worth of example on how great they were per half day.

After that I moved to Colorado to manage the investment and I started purchasing shares and eventually paid off the remaining investors at 100% of their investment. 

Maybe they had issues that were not their fault but unethical and dishonest people sadly tend to remain so.And, if I was accidentally dealing with shady people, the last thing I'd want is to be in a fund of theirs in which I have no control, am in a subordinated position and take most of the risks while they make most of the profit.