Hi @Aja Nelson those areas in Delaware county are great places to invest, but you need to make sure you are ready to jump when the right deal comes along.

I've been doing some direct marketing here in the Sacramento CA area.

Thank you so much, I will explore de 25% option with the commercial loan.

In the current market, that would be tough to do at anything over 75%.

The landlord insurance market in Houston, particularly Harris County, has become more challenging, leading to fewer insurers and higher premiums.

I did think about perhaps offering to rent to them for a specified amount of time at below market value (enough to cover the taxes) till they can get things figured out.I want to do everything I can so not to come off as a prick.  

This market is forcing a lot of investors back to fundamentals.

Find an investor-friendly real estate agent in the market you want to invest in because a typical realtor is not as familiar with how to evaluate the potential of a property for investment purposes.

Quote from @TOMAS DE JESUS: Quote from @Devin Peterson: Quote from @Joey Keske: Hello.

You asked about the risks and benefits of using leverage in real estate investing.The reality is leverage cannot be avoided, usually, in real estate investing.The risks are you get over-leveraged and your don't have enough cashflow and reserves to weather a market shift, extended vacancy, or major repair.The advantage is you increase your ROI by using other people's money and as little of your own money as possible.