Make sure you’re clear on how financing works and what your monthly payments will look like.Property Condition: Assess the age of the property, maintenance history, and any potential repairs or upgrades that might be needed.Due Diligence: Work with professionals, like a home inspector and a trusted real estate agent, to ensure the property is sound and fits your investment goals.Analyze the Neighborhood: The location can make or break your investment.

I am hoping for lower interest rates but I calculated I would need the rate to be low 3’s to break even.  

My book keeping breaks up my income/expenses, not my accounts.To get more returns on my cash I opened up a business brokerage account through Fidelity. 

Is there anything in that price range in those areas that would be cash flow positive or break even at that price range.

Let’s break it down with your example and explore the financing options.Max Leverage (Using a Lender for 90% Purchase and 100% Rehab):Purchase Loan: 90% of $80,000 = $72,000Rehab Loan: 100% of $25,000 = $25,000Total Loan Amount: $97,000Your Cash Investment:Down Payment: 10% of $80,000 = $8,000Closing Costs and Fees: Estimate around 3-5% of the purchase price = $2,400 - $4,000Holding Costs: Property taxes, insurance, utilities, and interest during rehab (estimate $1,000 - $3,000)Contingency Fund: 10-15% of rehab costs = $2,500 - $3,750Total Cash Needed: $8,000 (down payment) + $2,400 - $4,000 (closing costs) + $1,000 - $3,000 (holding costs) + $2,500 - $3,750 (contingency) = $13,900 - $18,750Moderate Leverage (Using a Lender for 90% Purchase and 0% Rehab):Purchase Loan: 90% of $80,000 = $72,000Your Cash Investment:Down Payment: 10% of $80,000 = $8,000Rehab Costs: $25,000Closing Costs and Fees: Estimate around 3-5% of the purchase price = $2,400 - $4,000Holding Costs: Property taxes, insurance, utilities, and interest during rehab (estimate $1,000 - $3,000)Contingency Fund: 10-15% of rehab costs = $2,500 - $3,750Higher Equity (Using a Lender for Less than 90% Purchase):If you decide to put more equity into the deal by using less leverage, you will need more cash upfront, but your loan amount and, subsequently, your interest payments will be lower.

I’m a bit of a nerd with an analytical streak, attempting to break out of my shell and be more social—so if you see me in real life, get ready for a nerd trying to be outgoing!

Hey everyone,I'm a foreign investor looking to break into the Pittsburgh real estate market.

But, if 0.25-0.50% more in rate for a DSCR loan is "breaking" your deal, then you are already losing as it is.My two cents.Cheers!

The user in question was subsequently banned from the forums for a second time, they reached out to me directly to dispute the ban but as of now the ban is still in effect for breaking the rules of the forums. 

Initially the only person with a key was the responsible manager from the company but we found youtube videos showing how to break it - can't assign blame but something was not smelling good.