Or what your actual return on investment would be if you continue to rent vs. sell now.

Bloomington is a city located in south-central Indiana, approximately 52 miles southwest of Indianapolis. en.wikipedia.org
Recently, the city has been exploring co-living arrangements as a strategy to enhance afforda...

We know they’re hard working and would like to continue working with them rather than move toward foreclosure, but we know they’re in over their heads if we continue under the current terms of the mortgage and don’t want to set them up for failure. 

Amy Vaughn continues to serve on the Company's Board of Directors.In 5/21/2021: Director - Amy VaughnAmy Vaughn Serves as a Director.Ms.

Or do you need to strictly stick to repayment process based on the duration of the loan?

Marco/Norada never disclosed any problems and continued advertising for funding.2.

We’re still waiting for next steps on that one re: borrower repayment or foreclosure.  

HELOC Basics:A revolving credit line secured by your home’s equityLow interest rates, but often variableDraw period (5-10 years) → Repayment period (10-20 years)✅ Pros: Lower interest than other loans, flexible access to funds, potential tax benefits⚠ Cons: Home is collateral, payments may increase, short repayment termWhen It Makes Sense:The rental property cash flows enough to cover HELOC paymentsYou borrow conservatively (avoid over-leveraging)You have a backup plan in case of market shiftsSafer Alternatives:Save a larger down paymentConsider seller financingPartner with another investorFinal ThoughtsWith your timeline set for November 2025, take time to research markets, build connections, and plan financing wisely.📌 Key Takeaways:Out-of-state investing can work but requires a solid local team.Use online tools like BiggerPockets, Rentometer, and Roofstock for analysis.A HELOC can help, but be mindful of risks and repayment terms.

Post Dodd Frank sellers have continued the same bad practice of selling houses to occupants with financing at selling prices that are way high, can't be justified via any type of 3rd party valuation (appraisal, zestimate, tax value, even recent sales in the same area).   

Perhaps he runs negative cash flow while repaying the purchase loan or there is something I missed so my math didn't add up properly.