So the ultimate scenario could be1. 1031 the old property into a 2,3, or 4 unit replacement with primary financing (more favorable financing).2.

If cash flow doesn't exist in your market, what many investors do is invest in smaller more affordable markets with a favorable price to rent ratio.3.

With inventory tight and rates mixed, some investors pick up existing deals, others go ground-up.We’ve funded both ends: new builds and acquisitions.Which side are you favoring this year and why?

I’ll also tap private lenders when a bridge is needed or the deal is time‑sensitive.Quick framework:Match lender to exit: refi-to-hold favors local portfolio banks; long‑term rentals with simple underwriting fit DSCR; heavy value‑add often starts with private or hard money, then refi local.Price vs speed: if time kills the deal, prioritize the lender who can actually close fast over saving a small fee.

I would either have plenty of funds or wait until the market is more favorable.   

Should I make her go through application and if everything looks favorable financially, accept the lower credit score?

In many cases, having these protections in place also strengthens your position during negotiations or legal disputes, often resulting in more favorable outcomes.To navigate these complexities effectively, I highly recommend assembling a trusted team of qualified professionals.

This helps me get favorable pricing for my clients and faster turn times. 

A few questions about the expenses:Cleaning & Maint: 3.1%Legal and Common Area: 1%Repairs: 2.8%Supplies: 1.0%Utilities: 16.6%Capex (appliances): 0.8%These expenses are very favorable, but also quite low for a 10-unit coastal STR.

We have looking to purchase another duplex to house hack as well and get out Eugene city laws that are not in favor of the landlord.