For apartments It also eliminated apartment seekers with large animals and lots of vehicles.

In contrast, if the property is passed to heirs, the heirs generally receive a step-up in basis to the property’s fair market value at the date of death, effectively eliminating prior depreciation and minimizing potential recapture.

No one should be mailing payments these days for rent when there are plenty of other more secure options that eliminate lies and excuses (the check is in the mail). 

You mention $10M, I think net worth is an effective filter.

Quote from @Adam Macias: A 50-year mortgage sounds like affordability — but it’s really it'll be debt that never ends. lolOn paper, stretching a mortgage from 30 years to 50 lowers the monthly payment, yes.But in reality, you’re paying far more in interest while barely building equity for decades.If you buy a house at 25 years old if you're lucky, you'll be 75 when the mortgage term ends...It’s housing that feels like ownership but functions more like renting — just with a longer contract and a higher total cost.The real problem isn’t the length of the loan.It’s the affordability crisis that’s forcing people to consider lifetime debt as a solution.Until we address prices, wages, and supply, extending loan terms only delays the inevitable...The further elimination of the middle class chasing the American Dream of owning a home. 

And what effect did we experience from deportations during Obama era?

"Close to 85,000 U.S. sellers took their homes off the market in September, up 28% from September 2024 and the highest level for that month in eight years," and the Senior Economist was quoted in saying,  “When tens of thousands of homeowners pull their homes off the market rather than accept a low offer, it effectively reduces the supply of homes that are actually available for buyers.

The big idea: lenders want predictability, not occupancy.House hacking only becomes a problem when:The investor is equity-based ANDYou remove income without replacing itIf you’re using private debt, house hacking doesn’t hurt them at all.If you’re using equity, just compensate for the missing rent.What most beginners miss:House hacking isn’t about the property cash flow, it’s about the personal cash flow delta.A deal that cash flows $500 less on paper may still put you $1,500 ahead monthly because you eliminated your housing expense.Investors don’t care about that benefit because it’s your benefit, not theirs.

Effectively, there is no such thing as data security anymore.

Which strategies have proven most effective for beginners?