I guess my question is this: is the very low cash flow (due to my low down-payment and high interest) going to improve?

I have a very low risk tolerance for stock and many other market driven vehicles. 

It’s when homeowners who locked in ultra-low mortgage rates during the pandemic hesitate to sell because moving would mean trading up to much higher rates.

Or we gradually perform high-quality updates for a live-in flip, then roll the equity into a new home.Regarding rental income, we aim to boost income, lower our effective tax rate by generating more low tax-drag income with rental income (since there’s not much we can do to lower out W2 tax bills) and have retirement cash flow.To compare the financial impact over 10-20 years, we want to analyze renting versus flipping.

I’m also open to exploring short-term rentals, private lending, or passive investing in funds—anything that maximizes returns while keeping risk and time commitments manageable.For context, I’d consider leaving my job if this could become a full-time venture that surpasses my current compensation (low-mid six figures).

My clients who invest in Section 8 housing do so in 'not quite' transitioned communities but that have low crime rates.

When we order the appraisal everything will come up so it will need to be listed correctly or else the 1007 will come in low.3.

The home is in a B class neighborhood, in a good school district, and walking distance to parks.

Held in my property entity that I purposely keep a low balance and doesn’t show a lot of income.

The problem is: A traditionally financed low-down payment house-hack with traditional long-term rents simply won't cash flow during occupancy, or after, in many MCOL-HCOL markets in the US. 95% leverage at even 5.7% just won't work in a lot of cases right now.