@Helen Adeosun,Helen 🙏 instant respect for your mission.

When High LTV Might Still Make SenseYou can justify >80% leverage if the deal itself compensates for it:You’re buying below market value (instant equity).You have a clear value-add plan (light rehab, re-tenanting, rent optimization).You can refinance within 12–18 months after increasing NOI.You maintain strong reserves (6–12 months of expenses).Otherwise, that thin spread between rent and debt service can trap you.🏗️ 3.

I always just start with there are about 10 easy questions on contracts that have fairly significant consequences and maybe fees involved that I and even bad realtors can probably answer for you instantly, but you probably don't know the answer to any of them without spending a lot of time looking them up. 

Low-Cost ImprovementsFresh, neutral paint in a few rooms = big impact for little money.Pull up flooring to show off the original hardwoods—vintage hardwood almost always adds perceived value.Modern light fixtures = instant facelift.My Opinion:Bright photos + simple staging = more clicks.Frame vintage as “character,” not “dated.”Replace highly personal “anchors” with lifestyle-focused ones buyers will love.Consider pricing psychology—cheap doesn’t always sell faster.I hope this helps I sent you DM and hopefull you can help us out as well. 

Suddenly, my leverage was gone, and I had to bring more cash to the table than I’d planned.That experience taught me two things:The appraisal can shift the financial landscape of your deal overnight.A higher-than-expected appraisal can give you instant equity and better loan terms.

That meant less cash out of pocket at closing and $40,000 of instant equity built in on day one.

We want quarterly, independent book reviews, investors would likely be happy to pay for 8 - 10 hours of review every quarter as this would have found an issue instantly when monies were moved out of the properties accounts.3. 

Once I have located such a property, I buy their property for below market, (instant equity) no bank qualifying, no credit checks, by offering to take over their loan and make their payments for them.

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Hitting either number is tough for most people.AdvantagesNear-instant liquidityEasy to start with small amountsValues are simple to trackDisadvantagesYou must consistently beat inflation and ride out crashes for your drawdown period, which even the best money managers are unable to do.Allocate time to monitor the markets and reactLimited tax advantages, little or no leverageMonthly withdrawals reduce principal and make diversification more difficult.RentalsWith rentals, my goal is to own enough properties so net rent replaces my paycheck.