That's because you are operating on luck instead of solid processes.

But if you have distressed properties off market I'd be interested in solid multifamily options. 

If you’re planning to focus on STR’s in Philadelphia, it’s important to understand the restrictive zoning and impact on STR’s. 

I understand I cannot look back, but my experience creates a lower-risk profile for investing out of my local area than a true newbie investor. 

They are understandably nervous about the future and their housing security.

Hey even flipping we're good at.Ask your questions here, anything counts, in one place and I will give you a solid data-backed (NEVER opinion-based) answer.In case you don't know me, My name is MSOOTKAUG, and am quite damn good at generating actually motivated seller leads, ranking websites #1, Credibility, and Conversions and people usually have to fork over their first=born child to have me consulting them.

Or, for the newbie, begin to help understand how creative real estate investing works.  

Some tenants (the good ones) understand things happen beyond your control.

And I believe I understand that now... what I was ultimately asking was how much does a point affect the rate... and from what I understand now... purchasing 1pt would drop my rate by .1256.375 = current ratebuying 1 point drops current rate to 6.25buying 2 points would drop the rate to 6.125and so on... correct?  

However, I understand that sometimes due to time constraints it's actually better to hire a professional manager.