Purchase price: $185,000 Cash invested: $45,000 Purchased as a primary SFH with low interest rate.

Conservative ARV is $350,000 and when interest rates decrease, it could be worth North of $400,000.

It honestly is the only way we can still acquire property in this high interest rate environment.

Trying to get the better rate at closing or general appreciation? 

If rate come down and  you refinance out of current loan, another appraisal will most likely be done again, no need to pay it twice.  

You can make sure to get 10% off coupons from usps moving or buy gift cards at 90 cents on the dollar (I get them as credit card rewards) to stack up the best discounts.

Ideally you do this if the rates are lower so you don't want to cash out refinance a property if the interest rates are higher than your current rate.

It is much easier to talk about being conservative when the sponsor implies that they are CHOOSING to keep millions in reserves or buy a low interest rate cap.  

Cash flow with a 7% interest rate is hard to find, unless you are comfortable with fixing something up.

It's that lightbulb moment where you realize that even after paying the surcharge to pay a mortgage with a card, you still earn positive cashback, making your net interest rate on your mortgage effectively a negative percentage.  8% cashback - 3.5% pay by card surcharge = 4.5% free money, and considering my mortgage interest rate is 2.75, that effectively means I pay no mortgage interest and still earn 1.75% free cashback.And the best part is that this passive cashback is generally speaking not treated as taxable income.