We are not able to adhere to either of these guidelines with this loan for a few reasons - the fact that this is an investment property, the fact that we are over 70% loan-to-value, and the fact that the credit score reporting is 6 digits under 700.  

From what I understand 1-2 months of supply = Double digit appreciation

Due to the cost of direct mail especially if your newer I would add in door knocking, cold calling, and digital marketing.

And now we have tenants living for free, banks offering forbearance, tons of free money being passed out to people who don’t need it and people refinancing with triple digit cash outs. 

We can send it to you if you’d like.Purchase: $80k-$130kRent: $1200-$1500ROI: Double DigitCash flow: couple hundred/monthAppreciation: Double digit (for past 10 years, will gladly send data)Location: C, B- (suburbs and certain markets)We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare and Auto industries.

My digital marketing business is doing really well, and after COVID, we switched to work from home permanently.

What do you (not actually you, @Eric V Harding, the collective "you") think they did in the 80's when interest rates were in the double digits, just stop investing? 

For those who have email, I have used EchoSign for signing contracts digitally.

You could have in a years time for example of 20 units total where ten of them have turned over creating a 50% churn rate.People with 1% cd can invest in triple net leasing and get 7 percent cap rate and with tax equivalent yield in many cases approach double digit returns and do nothing but collect the check.

Obviously, the desired ROI is different for everyone, but I would venture to guess most the full timers on this site consistently see double digits.