This demonstrates the buyer's seriousness and commitment to proceeding with the purchase.Additional Clauses:Subject to Sale of Buyer's Property: If the buyer needs to sell their current home to finance the new purchase, include a clause making the offer contingent upon the sale and closing of their property.Specific Repairs or Improvements: If the buyer has identified specific repairs or improvements they want completed by the seller, include details about these requirements as conditions of the offer.Review by Legal Counsel: Consider having the "Subject To" offer reviewed by a real estate attorney to ensure all contingencies are clearly defined and protect the buyer's interests.Final StepsNegotiation: Once the offer is submitted, be prepared for negotiation with the seller.

Still working on my first deal currently have 4/5 leads.

Here are a few specific areas I’m interested in:Market Growth: Do you think the current growth trend will continue? 

We currently work in 37 states and I'm happy to waive notary fees for anyone in the BP community if you reach out directly. 

I've tried to make my own spreadsheet which makes more sense to me based on my current understanding of deals.

Here is the reality, your chart proves they do not appreciate because in the most recent data (March 2023) from the Census Bureau’s Manufactured Housing Survey (MHS), the average sales price nationwide for a new manufactured home was $128,300 or almost $45k higher than the current price from your chart).Every set of data presented in the chart shows the value below the current cost of a new Mobile home.  

From the bit of research I have done on Tallahassee for another investor, I would say LTR unless your fine with breaking even and low occupancy. 

Personally 0- but I have been through quite a few low cost renter trashed units for sale.

If you have a low credit score with a high loan to value on a little loan with a DSCR number that's right at 1.0 or even below, I can see 8.625%.When you say "The lender has also a put a 5 year prepayment premium on the loan", you make it seem like you didn't know they were doing that. 

We are currently renting and looking for a house.