@Theresa Harris I am using a realtor and they think its ridiculous and so does my lawyer. 

Unfortunately, insurance is ridiculously high right now across the board, but you can work with an insurance broker that will shop ALL of the competetive carriers in Alabama and find the best coverage for the best amount of cash flow.

Become a private lender- $25K isn't much but once you become active in the market you may find opportunities where you can lend $25K at a ridiculous rate. 

NY - long Island, is ridiculous, can't make money there.

Agent is a known slumlord himself and an absolute pain to work with -- he's like the bottom of the barrel in terms of quality as far as agents go in the area, and keeps all his properties listed for sale with such ridiculously high prices.

Interest rates are ridiculously low by historical standards and prices are going up.

Sometimes when I’ve made ridiculously low offers or counter offers I’ve actually had a sort of informal estimate of the renovation costs needed to make the property livable or up to code or whatever to give to the listing agent either on paper or verbally so they know I’m not just trying to take advantage of the seller.

Between escalating HOA fees and RIDICULOUS assessments lately, I'M OUT!

Why do you think there would suddenly be a ridiculously minor return on real estate as the full owner, yet as a partial owner that is also covering the profit margin of the REIT you get better returns?

If it's unpermitted you run into insurance issues and it only takes one neighbor to complain about it and the government makes you tear it down or spend a ridiculous amount of time and money to get it permitted.