Even if a seller has an assumable loan, it is rare that they would want to do this because the process generally takes longer (60-90 day close) and there are usually downsides for the seller; for example, VA loan sellers lose their VA entitlement.

The numbers still work great as a long term rental but ever since I ran the numbers comparing the two I realized it's not as profitable as it looks on paper.For context, im in a small tertiary market (Dayton, OH) and most of my apartments are 1 bed / 1 bath with some 2 beds.I think the biggest downside to MTR is the lack of refinancing.

The downside is that I don't have the time to source a property, rehab, rent, etc. so I know I'm paying more for a certain level of convenience.

Possible downsides include putting all of our initial investment into a single property, we might not be able to find a property in our price-range, and taking a bit of a gamble on occupancy.2.

Add in $250 for each undersink counter cut and polish plus $50 per cut.Hard to beat the price and durability, but the downside for me is having to bring in the specialist to do it (my maintenance guys can do laminate tops, but need stone guy to do the granite cuts well).

This would definitely help me overcome the fear of starting investing in a new country.On the downside, cash flow is almost always negative if I put 20% down and considering the current mortgage rates.

The only downside I can see is that you will pay for a home with two rentable units but only rent one space.

Matt Hoyt good advice and great analogy, I learned a lot from playing monopoly :)Brenda Whittaker I'm sorry that your dealing with the downside of investing.

Borrowers who use hard money typically pay 1-2% of the loan amount when they take out the loan and also 1-2% when they pay it off, so a DSCR loan looks like a gift when compared to terms like this.Another downside to the DSCR loan is that it does come with prepayment penalties.

Down side is we couldn't really get into a house we want with just that, and keeping a low mortgage payment.