There’s huge retal income potential if you nail that balance between improvements that wow tenants and improvements that merely look fancy but don’t justify higher rents.I’d also keep an eye on how your high end plan fits the local demand.

True re the prior poster, re this helping the seller save their credit, if you buy sub-to you will dramatically raise their FICO since the mortgage will show on-time payments.  

Credit Rating/Bank Statements/Tax Returns: Specify your requirements, if important to you.Purchase Criterion: How do you define a good deal, which will be profitable for your borrower and safe for you?

If you can’t find something with significantly better returns, holding might be your best option.Alternative to sellingIf you’re hesitant to sell but want to improve returns, check if the current rent is at market rate.

@Randall AlanRandy,I have roughly 1+m of funds, that includes open lines of credit.

From what it looks like builder does not want to take a loss and what to negotiate sale where they do not take a loss even profit, since they are selling improved lots. 

. ;-)In Atlanta, for example, city/county liens are treated the way the credit bureaus do: They fall off after 7 years.

Still seeing low to mid 7s on 1/23/2025 assuming decent credit

I can do that for you if you are properly prepared with reserves and credit.

Caution:  Personal credit card financing is a huge risk and good luck finding 0 percent interest today.