Loan rates for owner occupy are lower than investment rates.

At current rates, it would be extremely difficult to have maximum leverage and have any property pay for itself through normal rental income. 

If the seller charges a rate below the AFR, it creates a tax liability on their end. 

It’s crucial to analyze local trends, such as population growth, employment rates, and new developments, which can impact rental demand.

Those people just put their cabin on whichever local PM gave them the best sales pitch, and most of them charge 40% (although now they are doing "introductory" lower rates for the first year if you sign a 2 year contract.

I currently have an interest rate of 10% from Live Oak Bank.

Mixed-use developments and spaces that can easily transition between commercial, residential, and retail uses are gaining traction.Key Takeaways:Design spaces with adaptability in mind to accommodate different tenants and uses.Consider mixed-use developments to diversify income streams and reduce vacancy risks.Strengthening Tenant RelationshipsBuilding strong relationships with tenants can lead to higher retention rates and stable income.

You can potentially look for "hard money" lenders which will typically have looser barriers but the rate and fees are going to be much higher than conventional. 

I decided to raise their rent $500/month, even though market rates for comparable apartments in that area are $200-$600 higher than that.

Bringing income total to 4600-5200 to cash flow around 800 before doing a hopeful refi if rates drop 🤞🏾.