I would advise to know your capex/vacancy/maintenance/repairs numbers for your true cashflow.

Is that true?

I hear this all the time with dogs and it's almost never true.

However, that was 2 years ago long before the true impact of the supple chain on construction. 

While the above 2 comments definitely are true and something you have to consider (paying debt service without the money being at work), you also really need to consider the rest of the terms as well.

(I don't need immediate cash flow and care more about total long term returns).Relatively affordable compared to other large cities (though the same is true for  SFHs). 

There is a misconception that "intent" is sufficient, which is just not true.

If someone offers 30k over asking, but a similar property down the street sold for 10k over list, this will provide a better insight and awareness of a buyer's true motivation/intentions.

It is true for how I work and how I expect those around me to work. 

Transfer the debt from your high-limit card to your balance transfer card, and diligently pay off the debt over the next 18 months.It takes discipline, but this technique will allow you to immediately finance repairs for pretty much everything for a 3-4% one-time fee.Bad credit?