"Buyer to receive $5000 credit at closing, Buyer agrees to replace subfloor with 3/4 plywood, mildew resistant and sound proof flooring insulator"Obvious labor is expensive, What are your thoughts on this.. the actual subfloor is fine but its in the contract to install new subfloor anywaywith the "replace subfloor", could I install new 3/4 plywood over the existing subfloor which technically i am replacing the subfloor or do i need to discard the old subfloor and install the 3/4 plywood??  

Hi Adam,Your lender should definitely know the down payment amount much prior to closing.

You will not get anything close to that right now.

Adjust the lease term prior to closing, period.

Every day I wake up to look at Google News and there is at least one article about Foreclosure, or Fixed Income Tenant can't stay where they have been from before the Covid or the Widow who has lived in the 2/1 house for 50 years cannot pay the increases in Property Tax, Home Owner's Insurance, Lights, Water and everything else.

Maybe that is not even good idea, but perhaps better chances of success and maintaining a relationships.Probably NOT what you want to hear, but if you're making $125,000 and you don't have the discipline or willpower or willingness to save for the down payment and closing costs on property #2, then what will you do if things go south..like your tenant doesn't pay rent, you have 3 months of vacancy, or the tenant destroys the property and you need to rehab?   

Quote from @Peter Dukaj: Would you consider single family if they were located within close proximity of each other?

I do have some money to invest with, but don’t want to continue using it all on a deal or two and then wait for those to close to move onto a new deal. 

That's a more precarious hire than ever before, you won't have another agent on the other side of the deal that's really on the same side trying to make things close.

I’m supposed to start close to home, but Denver is a brutal market at the moment.