I've been having an eye-opening discussion with ChatGPT to understand how the rate of return I need to service the debt (roughly break even) went from the 7.268% APR to around 8.23% (after tax) to around 11.83% (pre-tax, assuming a 27.8% effective tax rate based on my income, federal tax bracket, and state). 

Do you want maximum cash flow, long-term appreciation, or mainly tax advantages?

Hello, I've had a property in the Graysville area for about 4 years, and the last year has been an absolute nightmare with my current property manager due to it being almost impossible to get in touch with anyone or get responses to emails.

Foreclosures are expensive and take a long time, it would be much more beneficial for the HML to extend. 

We actually did own several strip centers right after the last crash.

BRRR, long term, short term vacation rentals, turnkey strategy, SFH or MFH? 

The downside is that the rates are usually higher, they’re often variable, and it’s not long term financing, so you’ll need to refinance later. 

@Ashlee Perry I noticed that but there was a pretty big jump over the last 7 /8 years in price. 

Driving for dollars and attending open houses will keep sharpening your eye for deals.Stay consistent, run your numbers conservatively, and don’t be discouraged by early rejections.

I don't know how long you've been in the industry, but if it sounds too good to be true, it usually is, especially when there is so much scam stuff happening in the hard/private money side of things still.