Hi @Joshua Manier,**I'm not affiliated with any of the companies mentioned**Your strong financial profile and low LTV puts you in a great position!

The shorter the prepayment term has an impact on increasing the rate.4.

It might take a large financial institution with capital for “brainpower” and marketing, and financial and reputation strength to design as well as create a trading market for this type of security. 

The teacher was an actual financial educator but they repeated themselves a lot and were telling the students to go in and apply for credit cards DURING the course to purchase the next course for $15,000!

Being a responsible person has nothing to do with the financial calculation for rate of return or cash flow. 

Pace was the only one I encountered who showed up live, who is living these deals out every day and consistently finding ways to deliver (increasing) value to his community.

There may some merits to investing upstate/western NY, but I would suggest doing some serious homework into eviction timelines, annual rent % increases, etc. 

.🔹 Example in Action:Rental income: $9,000PITI: $9,500 → DSCR <1 (not qualifying)Using $63,000 in assets → Adds $1,045 in incomeNew DSCR >1 → Higher LTV (80% instead of 75%)🔹 Why This Matters:✅ Helps investors qualify for better financing✅ Increases borrowing power and flexibility✅ Allows you to scale your portfolio fasterUnderstanding financing tools like this can be a game-changer for investors looking to maximize opportunities.

So if there are any issues, I'll see those upfront and can adjust my plan as needed.He has already mentioned he's ok with me removing the tenant or raising prices if necessary.See my other comment regarding Deal Calculator change and maybe presenting an schedule rent increase option for the current tenant.

Recently I got a huge increase also.