.✅ An agreement must be in place between the buyer and buyer’s agent before any properties can be toured.It should be noted these rules are in line with the NAR settlement and is an MLS participation requirement, not state law

We secured a 200k USD senior debt position which allows us to avoid raising so much equity.

🤔We are 2 months removed from the NAR lawsuit settlement changes.What I am seeing....✅ Buyers still working with buyer’s agents✅ Most sellers still offering a buyer’s agent compensation✅ More transparency to buyers and sellersSure there were some changes, but I am seeing things are BUSINESS AS USUAL.Seller’s are still given the opportunity to negotiate all commissions (including if they choose to pay a buyer’s agent), and buyers are still given the opportunity to do the same regarding their agent’s commission

If you decide to have a great car, great house, great everything you will be in debt like everyone else.3.  

But these days, it’s hard to find decent properties where the numbers work as far as covering the debt service with rental income. 

Eliminate debt, establish a budget, and save.

If it's simply cash flow--irrespective of hard assets-- then you're better off buying some form of debt.

SFR is far less impacted by such, mainly because the debt being capitalized over 30yr terms vs, 3-5-7. 

I do not have a lender right now, and I will need the 12-month rent history as well as various metrics on the property such as insurance quote (which needs property information in order to obtain), existing debt, and purchase price (which would be established while making offers).

We have some credit card debt we are hyper focused on paying down , and 34K in my student loans (not touching currently due to SAVE plan with the zero percent interest).