In that case, we encourage you to learn more about Ryan Poske and Bildwise from other available sources, including word of mouth, other online reviews, and Indiana’s public court records.

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy + tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.

@Michael MaznioFor rental comps the most accurate source is always the MLS if you have access, Rentometer and Zillow. 

I joined this community 4 years ago after listening to the BP RE podcast, linked up with a brokerage sourced from this forum, bought 3 buildings, and now I'm back as an agent with that same brokerage -- Candor Realty powered by Four Points Realty. 

We rent to section 8 and screen them the same as every other tenant, they just have a different source of income. 

@Jonathan Pflueger - KBKG and Source Advisors are 2 Oregon companies that do Cost Segregation.

[Source: Board of Governors of the Federal Reserve System (US) via FRED®]Assuming the spread returns to its pre-COVID range, and the 10-year in the low 4’s, my guess is that the 30-year mortgage rates will likely remain above 6%, though somewhat lower than today’s, for the rest of 2025.I have another consideration for investors who are waiting on rates to go down.

.• Cost segregation on new property: If you go out of state and accept Oregon’s clawback, a cost seg with bonus depreciation on the new property could generate large deductions to offset federal (and possibly Oregon-source) income, freeing up cash to pay the tax.• Charitable strategies: A charitable remainder trust (CRT) can sometimes help shelter a portion of gains, but that’s a more advanced estate/tax play.Tax angle:• The new One Big Beautiful Bill (OBBA) in 2025 tightened tracking and reporting of state-source gains, so Oregon’s enforcement is stricter now.In short, if you move your exchange out of Oregon, you likely can’t avoid the $34K entirely, but you can plan around it with refinancing, cost seg, or advanced trust strategies.

If you're looking solely at CoC return - it probably makes sense to use debt for that.

See the chart from Fair Isaac Company (FICO) below: FICO Score Pct of Population Default Probability 800 or more 13.00% 1.00% 750-799 27.00% 1.00% 700-749 18.00% 4.40% 650-699 15.00% 8.90% 600-649 12.00% 15.80% 550-599 8.00% 22.50% 500-549 5.00% 28.40% Less than 499 2.00% 41.00% Source: Fair Isaac CompanyAccording to this chart, investors should use corresponding vacancy + tenant-nonperformance factors of approximately 5% for Class A rentals, 10% for Class B and 20% for Class C.To address Class C payment challenges, many industry "experts" are now selling programs to newbie investors about how Section 8 tenants are the cure.