The cost associated with insurance for not having 20% is peanuts compared to what you potentially can do leveraging your down payment. 

Look, we’d all like to search the internet, find a deal for sale, analyze the property as having a great cash flow at current interest rates, with lots of upside potential in a gentrifying market.  

I chose to invest in 1272 Lakins Rd, Etna, due to its potential in a growing market.

First-time homebuyer-level SFHs are such a sweet spot for liquidity and demand, especially when the market gets tight.Quick question—when you're doing the homework for a potential deal, what's your go-to checklist for deciding if it’s a flip or a hold?

., Purchase Price: $475,000 ($197.9/sq. ft.).Estimated Market Value: $402,000 ($168/sq. ft.).Financing Terms: 2% interest rate, with a 9-year balloon.Unit B Income: $2,049/month (Section 8 tenant through November 2025).Unit A Income Potential: Similar rent or higher; Section 8 cap for the area is $3,234/month.Monthly Loan Payment (P+I): $1,386.Cash Flow Breakdown (if both units are rented at $2,049/month):Gross Rent: $4,098/month.Vacancy (10%): $410/month.Operating Expenses (37.3%): $1,376/month.Net Cash Flow: $943/month.Key QuestionsWould you be comfortable paying an 18% premium for financing at 2%, especially in a market where current mortgage rates are closer to 7%?

Budget between 300K and 400K.Any areas that have the potential for a good cash flow?

EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

I have not nor would I invest in ODC and RE: my comment - I was focusing in on the fact they are now offering a private credit fund, which is a very different business/investment VS. a syndication, and so I'm advising that potential investors should be wary of this.

Can you please help me understand better what potential concerns in your experience can potentially arise here? 

I haven't thought as far ahead as looking at potential areas to buy property.