Again, I think properties should be self-sufficient.

So position yourself with sufficient capital reserves to withstand a reduction of values, or income, as at  some point it is inevitable.

Par rate on DSCR loans (with solid credit, not max LTV, and sufficient cash flow) is now low to mid 7s.  

I have already saved 60k additionally as a Rainy day fund which is in High Yield No-Penalty CD which I am hoping should be sufficient and we plan on making it around 75k gradually with our salaries.When you say In-Law suite, are you referring to houses with unfinished basement which can then be converted to 1 or 2 Beds and rented out as STR or LTR?

If you are able to gather concrete evidence and sufficiently demonstrate your "damaged," then the Appraiser's E & O insurance policy may pay out.

Granite is available in a wide range of colors, patterns, and finishes, and it can add a touch of elegance and sophistication to any kitchen or bathroom.Benefits of Granite:Durability: Granite is one of the hardest natural stones, making it highly resistant to scratches, chips, and cracks.Heat-resistant: Granite can withstand high temperatures, making it ideal for use in the kitchen.Low maintenance: Granite requires minimal maintenance, and regular cleaning with a mild detergent and warm water is sufficient to keep it looking new.Unique: Because granite is a natural stone, each slab is unique, with its own distinct pattern and color.Drawbacks of Granite:Porous: Granite is a porous stone, meaning it can absorb liquids and stains if not sealed properly.Cost: Granite can get expensive, especially if you opt for a rare or exotic variety.Installation: Granite is a heavy stone that requires professional installation, which can be costly.

@Nate Reed Circumstances for a "job replacement" does not value and play well for regular earning individuals, you need to make sufficient money but have less time to manage a property in order for appreciation investment to work.

Therefore, when buying at auction, it is important that the offer price is sufficiently discounted to account for the increased risk and unforeseen issues with buying properties in unknown conditions.Direct to Seller Mass MarketingAnother channel to add to your sourcing quiver is Direct to Seller Mass Marketing.

If you have sufficient start up capital to cover unexpected expenses and vacancies, then low cash flow may be acceptable.

Arbitrage is just a job.Without sufficient funds in reserve to fully furnish and outfit a STR properly, you are setting yourself up to fail.