The goal is selling for highest and best, so everything better be a means to that end. 

In others, it's less likely or necessary because of demand or highest and best use. 

At Rent to Retirement, we specialize in fully turnkey rental properties that are newly renovated or new builds, tenant-ready and professionally managed so you can invest confidently and passively from day one and often come with hefty seller concessions to really maximize the deal for our investors.We have opportunities across Texas, Florida, and the Carolinas, all in strong growth markets with solid cash flow and appreciation potential.Our company has earned over 300 five-star reviews from real clients and an A+ rating with the Better Business Bureau, which reflects our commitment to helping investors build long-term wealth through real estate.Feel free to DM me to discuss more.

Our market here in Greater Phoenix is one of the BEST and easiest markets to generate leads for pre-foreclosures. 

What loans/programs to look at (this is key for single moms + first-time buyers)Because you’ll live in one unit, you have access to the best financing available:• FHA loan (3.5% down)Allows you to buy up to a 4-unit property and skip the self-sufficiency test if you buy a duplex or single-family.

Many took teaser 2-1 buydown mortgages where the rates/payments are increasing, but the rents are not keeping pace.So, do your own due diligence!

So in my mind it would be best used as a last move into a REIT you never sell.  

If your goal is to save up for your first property or long-term rental, the best approach really depends on two things — your time horizon and your comfort with risk.Here’s how a few options compare:High-Yield Savings Account:Great for liquidity and short-term goals (within 12–18 months).

Ultra-low interest rates and quite low RE prices.

When investors loop a broker in early, they can usually get:• A no-cost opinion on whether the deal is actually lendable• DSCR and Non QM pre-analysis using real underwriting criteria• Feedback on whether the numbers support all cash, leveraged, or walk away• Updated rate scenarios and leverage options based on real-time pricing• Risk red flags that free tools do not highlight• Confirmation of what lenders will and will not count as qualifying income or rent• Guidance on capital structure for BRRRR, flips, or long-term holdsIt is similar to working with a financial advisor because the tools matter, but having someone who knows how to interpret the data matters more.