Buydowns also may be more appropriate for people who have stable income set to grow over the life of the loan, making it easier to keep up with payment increases once the initial rate period ends.But again, timing matters.

You stop worrying about having to maximize every month on every rental because you just don't care if you bring in an extra $50; you'd rather have a stable tenant that pays on time every time and doesn't cause you trouble.

I am also on the fence considering that NPR is not that desirable a community. 100K purchase price with a $900 odd rent amount would go a long way in better, more stable cities.

Becaue direct ownership we could have control with fixed rate debt that's guaranteed by gov, our asset would usually flat or going up/stable, since it's controllable it's more like 'passive'. single family residential is not valued by the movement of cap rate, but it's valued by the real market supply-demand metrics.in all my direct asset everything is going up with scale of 20-40% IRR, so all these naives LP investors are just being fooled so much by the most teaching in real estate and they're not unable to decipher whether what they learnt is accurate or not. 

A conservative rule for investors who have other income is to keep their debt and housing payments within 1/3 of their stable income. 

She supported me through school, and now that I'm stable in my career, I want to return the favor by helping her build a retirement nest egg.Her financial situation isn't ideal, with maybe only about $40K to her name and no significant assets.

Alongside acquiring rentals, I'm interested in establishing a service-based business within the real estate niche, potentially offering maintenance or renovation services.To make the most informed decision, I'd appreciate any insights from experienced Indiana investors on:Top Indiana Cities for Long-Term Rentals: What cities offer a strong rental market with factors like stable vacancy rates, positive cash flow potential, and opportunities for property appreciation?

Real estate investment is a popular way to build wealth and secure a stable financial future.

I won't be investing in the riskiest/most supportable asset subclasses such as hotels, and tilt my portfolio the ones that have historically been more stable such as multifamily and single-family housing.

Also, make sure that you are stable financially.