@Bonnie CerrutiHere is a website and ranking system that I have come up with over time.https://www.areavibes.com/Here is my rating & classification for each livability score. 80(livability score) and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below F

Although rates have made deals harder to find, I still see 15-20% cash on cash deals out there if you know where to look!

I still have a mortgage on the primary of about $450K at a 3.8% rate.

Location & Demand: Prime neighborhood with high tenant demand, no more than 2 weeks vacancy over 10 years.Strategic Positioning: Rented/sold at market's lower end with a 8-10% annual cap rate.

That’s exciting that you’re ready to make that jump.There are a couple ways to find off market deals, meet ups, Facebook groups, a realtor who’s connected to wholesalers such as myself or even the old school way of sign calling.

Rental rates are strong county wide as long as you’re close to a city.

And no PPP on the 2 new ones we just got, hoping to capture lower interest rates in the near future and will refi.

All,I'm considering an exciting opportunity to buy 3-acre lot adjacent to a K-8 school.

I thought owner occupied loans are supposed be lower interest rates then non-owner occupied loans or DSCR loans also I asked the lender if she could adjust the purchase price to $750,000 to see if that would lower the interest rate and the interest rate actually went up to 8.625% and pay 0.353 points I'm thinking I should find a mortgage broker that can quote me with multiple lenders to shop the rate and loan costs instead of a direct lender Thank you for the help!

@Kyle JosephThere are plenty of models out there.Many are free or low cost.The real issue is knowing your market - rents, vacancy rate, expenses etc.The magic is NOT in the model but rather the data one enters into the model.Agree with @Chris Seveney