Here is what is being considered:SCENARIO 1):1) Parents loan us money at X% rate.2) Loan terms would allow for early payment without penalty (we would get a conventional loan in 2-5 years to pay parents back). 

Conversely, if a deal falls short of this threshold, it's prudent to pass on it and wait for opportunities that better align with your investment criteria.

The combination of the market and the current interest rates are making us hesitant, but at the same time we are eager/excited to get ready, and feel we have the cash to do so...

In this higher rate climate it's basically a wash between investment vs. secondary.

I've had great conversations based on similar concerns with my local appraiser.

Consider factors such as rental income potential, expenses, vacancy rates, and potential for appreciation.- Negotiate and Close: When you find a property that aligns with your investment goals, work with your agent to negotiate the best possible deal.By following these steps and staying proactive in yoursearch, you'll be well on your way to finding your first investment property inHuntsville, AL.

After calculating all of the properties, the average cap rate is around 5% and the COC ROI is always negative (I am putting down 25% for a DSCR loan).

Cash-flowing SFR's are tough to find in this interest rate environment without value-add rehab work or a large down payment.

It's been steadily growing in terms of population, rent rate and appreciation. 

Should I try to save more money and improve my credit for a better rate or try to get creative financing for my possible investment.