Key areas to watch include interest rates and inflation, tax policies, affordable housing and rental assistance programs, regulatory environment, and supply-side initiatives.

It's conservative but that's what my wife is comfortable with.

I got lucky that the tenant wanted a house in my neighborhood to keep kids close to their schoolsHouse was listed for 1750, they offered 2250 but I declined , so they offered $3k, ended up renting the house for $3250 ($250 pet rent) per month, for 3 month, open to extension if needed.I met the tenant and did the background check on them, I felt comfortable renting to them THD takes time with approving the property, but they were quick to approve the lease, and they sent me the checks the next day after lease signingMy house is not furnished, and they were ok with that , they actually work with a company that provides furniture for the tenant, and they coordinate the delivery and setup of furniture on the lease start dateOverall I like the experience working with them , but hey today is day #1 (out of a possible 3 months), so I will update this post if anything wrong happens or if I notice any red flags

You can model out and find your own comfort level. 

I am dedicated to creating environments that meet the needs of both tenants and business owners, while steadily growing my portfolio through smart investments.

"The only thing that gets in the way of a great life is a comfortable life."

This is derived from the amount of equity we can contribute as the sponsor and the amount of equity we know we can comfortably raise in a 90/10 structure.

60% LTV is not that low, particularly in a higher rate environment where the debt service coverage requirement (cash flow) is now limiting LTVs to 60-70% in many cases anyway.Separately, should be able to get a commercial loan with a rate in the 6s.

Hey Allante,Awesome to see you getting into investing.I'd say start with residential to get a feel,then move to commercial once you’re comfortable.

You are doing things right and I can tell from how you present yourself you somewhat understand and respect the environment.