Hey @Joel Matthews, I’ve seen a few investors do sub-to deals in Philly, and they can definitely work if you’re careful.

I’m excited to connect with other investors in the area, learn about the local market, and exchange ideas and experiences with like-minded professionals.I’m looking forward to learning from the community, discussing strategies, and gaining a better understanding of investing in Ohio.Thank you, and I’m excited to participate and contribute!

Quote from @Jeff Mooney: @Chris Seveney looking to see if somehow I can take over that 3.5% rate Just because you can take over the rate does not mean its a good deal, I am not seeing where this is a great deal.

Is there a company I can go with to take a loan out against my 401k as I have 2 from previous employer I need to combine to a new one which would be helpful if I could use that to pull cash against. 

But if you don't want to deal with all the lawyers, paperwork and fees.

You will have to work with a licensed GC.

.- 10% down- Pick term that both:--- Leads to properties cashflowing for you--- Covers seller's PITI payments- 3-5 year balloon (or longer)Highly likely your offer will be rejected, but keep checking in with agent every 30-days.Property has been on market for 87 days and seller will only get more motivated as it sits longer.DO NOT GET EMOTIONALLY INVOLVED WITH THIS DEAL! 

Quote from @Steve Vassallo: Looking to replace my work income with rental income The only other ways to do that is to start flipping, doing wholesale deals, or taking advantage of airbnb arbitrage.

Connecting with the right local agents, lenders, and property managers here can really accelerate your learning and help you get your first deal done.

I spent the better part of this past week analyzing the best - and worst investments I made to see if I could identify any discernible difference in the way I evaluated, analyzed or approached the successful investments vs the less successful ones.Here’s the only difference that came up time and time again (but NOT always) - a large majority of the less successful investments were ones where GOING IN I in some way “stretched” to make the deal happen, i.e., tried to make the deal “fit” my investment criteria.