If buying a condo research the HOA health, engineering study, last 5 years of HOA board and meeting minutes and last three years of HOA financials/reserves. 

If your objection is time, expense and compliance issues, it's not clear to me this alternative is less expensive or time consuming, and likely is even dicier on compliance.

So free houses will be a while, but I do worry about a shift in the job market.My gut feeling is we will see unemployment depart from the ultra low 3.9% it is now in the next couple months, which has more to do with consumer spending than with AI.

IF it is consumer debt you have to work on your financial literacy first.

We have high personal income with no consumer debt, so conventional loans are typically more favorable and DTI hasn't been an issue.

We were particularly interested in this deal because it involved a light rehab, which is less complex and time-consuming compared to more extensive renovations.

btw, are you the same Jay Hinrichs of "TRUE "WHOLESALE HOUSES" that was sued by the STATE OF OREGON-DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES? 

The Detroit Health Department even reached out to us personally last week to begin working in tandem with us and our in-house property management team placing section 8 tenants for them that are in dire or desperate need of shelter into our properties. 

The government has an interest in ensuring its populace isn’t exploited and consumed.

The number is ticking up but Ohio is still fine in vast majority of cases - anything over loan balance of $110,223 (2024 limit) doesn't apply - since most DSCR lenders have minimums around $100k loan amount, barely affects thingshttps://com.ohio.gov/divisions-and-programs/financial-institutions/consumer-finance/guides-and-resources/loan-prepayment-penalty-and-adjustment#:~:text=Effective%20January%201%2C%202024%2C%20no,loan%20of%20less%20than%20%24110%2C223.