https://www.cnbc.com/2025/11/13/foreclosures-rise-october-ho...Foreclosure starts, which are the initial phase of the process, rose 6% for the month and were 20% higher than the year before.  

Quote from @Kenneth Rockwell: I wondered about that myself, I've seen at least 3 listings from other wholesalers that suddenly showed up with New Western at 20k-30k higher. 

That creates windows for smart investors to secure better terms and structure higher-return deals.

Rate are still relatively low compared to the past few years (6’s and 7’s) on most transactions has helped compared to 7’s and 8’s (or even higher rates we saw for a minute).

But if I was a betting man, I'd bet prices will be higher in 50 years than they are today. 

Student housing just hit roughly 95% occupancy for Fall 2025, while many conventional multifamily assets are still hovering under 90%.That’s a pretty wild gap when you think about it.Even with higher rates and tighter lending conditions, demand for quality, campus-adjacent housing hasn’t slowed down.

You are correct that turnover tends to be higher in apartments, but I also had turnover in my single family portfolio. 

I really don't see any benefit working with a direct lender unless you are making a higher margin on the rate.

Even if you’re not in the U.S. yet, this market can work really well with the right team on the ground.A few quick guidelines:South Side:• Generally more stable for new investors• Strong rental demand• Solid cash-flow neighborhoods like Layton Blvd, Burnham Park, Lincoln VillageNorth Side:• Higher cash flow potential but also higher management needs• Only recommended if you have a strong local property manager and contractor• Look for pockets near Sherman Park, Midtown, Old North MilwaukeeIf you want, I can share a more detailed neighborhood breakdown or help you match the right area to your budget and strategy.

It’s a strong market for building experience and momentum.Charlotte is a healthy, growing market with better appreciation potential, but the higher entry cost and competition can slow your first few deals.