Second year distributions rise to 5.27%, third year 7.27%, according to the projections.Those projections may be at risk, for many reasons: the recent huge increase in interest rates -- increasing the cost of loans and decreasing valuations, insurance costs have skyrocketed, real estate taxes are up, labor and material costs for repairs & renovations have increased, etc.On the plus side, the majority of the ODC funds were designed to be high value add projects with plans to increase operating efficiencies, add tenants and raise rents.  

Increase income, decrease DTI, and buy a home (i.e., get a higher paying job, work two jobs, go to trade school, get a higher paying degree, live in affordable area, etc...these are things that most of us did).

Currently rates on commercial are going up and not down with Fed rate decreases.  

The market has been incredibly robust the last few years and I don't see that changing anytime soon especially as mortgage rates continue to decrease.

Quote from @Basit Siddiqi: Quote from @James Wise: Quote from @Basit Siddiqi: Strange that you mention that you are looking at Toledo and Cleveland when those two cities are also seeing population decreases.

Whatever the terms will be made on the $1M, will also decrease that cash flow.In a perfect & simple world I would pay 8% every year if I I was able to borrow $1M.

Thanks Sarah, I don’t see much house hacking going on in Essex or Dundalk in terms of listings on Zillow or FB so my concern would be finding professional adult roommates that want to house share in that area. i’ve been following a lot of the midterm rental groups in Facebook and the consensus is that contracts have decreased significantly and hospitals are using more local labor pools.

Housing supply is the other function, and my view as rates increase so does inventory in markets that are coming up to pre-pandemic levels and the inverse in the one's that are decreasing. 

I have noticed that as companies they grow, their quality and attentiveness tend to decrease. 

Based on that, do you anticipate increasing or decreasing your investments?