What's common practice?

Idealizing a past scenario is purely negative.

.- Financing options: In some European countries, investors also turn to private lenders or lines of credit to expand their portfolio.To scale a portfolio in Europe, a common strategy is to reinvest rental income and refinance properties as their value increases over time.

I am for sure shifting my focus back to looking at properties in Rockland,Orange or Putnam as it seems to be the common census.

@Raj Vardhan, in my limited experiences, 6 or 12 month seasoning is common if you want to borrow based on new appraised value.  

You are much better of preparing for the worst case scenario and adjusting your strategy accordingly.  

Common issues include incomplete data (e.g., missing property taxes or HOA fees), unreliable rent estimates, and the time-consuming process of manually calculating metrics like cash flow or ROI.Platform Preference: A web-based platform would work well for in-depth analysis, but a mobile app would be crucial for on-the-go research and quick evaluations, especially when touring properties.Wish-List Features: A tool that integrates local market data (rental demand, appreciation rates, or vacancy rates) and offers scenario modeling (e.g., "What happens if I increase rents by 10%?")

How certain of the appreciation are you would also play into that question.Run some scenarios on what you could do with the extra cash vs what you stand to gain from the appreciation play and decide based on that and your goals.

It is quite common for a state's definition of habitability to include at least a stove.

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