You can find higher ROI (on paper) here and probably in other cities…but the probability of actually collecting rent significantly decreases.

But there's something else that many people don't realize: these loans  "constant recast" during the interest-only period.For example, if I make an extra $400 payment one month, my interest-only payment will decrease the following month.

I can't remember, but it turned out that since I kept paying my broker 1%+ every time I re-financed my principal never decreased.

Real Estate values, nationally, have never decreased over any 10 years. https://fred.stlouisfed.org/series/MSPUSFocus on optimizing active income first.

But they are slowly decreasing from the fast spike, as the market tries to make sense of rhetoric (100% tariffs on BRICS countries) vs understanding what the actual policy is. 

With inventory slightly decreasing in November, do you anticipate increased competition heading into the new year, or are higher mortgage rates keeping activity balanced?

The number of homes for sale in the three county area around Sacramento finally had a decrease in November 2024.

I have noticed that as companies they grow, their quality and attentiveness tend to decrease. 

If this is how a cash out refinance works, it feels like the strategy is to either have more to rent out within the property (multi-family), wait for average rents in market to increase, rehab the property more and increase rent more, pay off the property/ more of the mortgage and refinance again without a cash out to decrease the mortgage (I don't even know if I can refinance a property twice)? 

You can find higher ROI (on paper) here and probably in other cities…but the probability of actually collecting rent significantly decreases.