She's wanting to do a pre-sale listing to see if we get an interested buyer and they have their own appraisal done so then we'll know for sure.I am fine with this but my question is, why is she still focusing on the homes with the lower values with lower grade rehabs when there are enough homes with similar comps and similar rehabs to mine that we can stay focused on instead?

Granted, this data is skewed towards the high-end A-class properties but even on the lower end of things at least for now rents seem to be pretty stagnant.

Other items to consider:- Income or loss from operations in an OZ is taxed normally- An OZ is a lower income census tract designated by each states Governor.

$500 on SFH and $1000 on MFH from what I can tell in Toledo, some offers are definitely lower on both.

You can also try to negotiate with the seller to lower the down-payment.

I feel like if the market has a downturn right about the time when my arm expires I’ll be facing lower rents and higher interest rates at the same time.

You can lower that with a larger portfolio or multi family properties.  

@Brian Murray a lender would be best equipped to handle this question, but for most secondary loans (Fannie/Freddie) that I've seen you'll need to go FHA to take advantage of lower downpayments with an owner occupant situation. 5% down conventional is typically single family residences.

Conventional requires around 680ish fico and a lower DTI.

I was wondering if the process takes a bit more time if your down payment is lower.