. $30k should be more than enough cash to purchase your first house hack, especially if you're using a VA loan (0% down), although by putting 0% down your expectation for cash flow should be pretty low unless you're making improvements to the building.For paying off the debts, I recommend focusing on the credit card debt.

-Single-family home months of inventory expanded to a 5.4-months supply, up from 4.4months last August.

He will be wanting to get that inventory off his books.  

But there is so dang much inventory, I just can't bring myself to the $600k/$700k+ they seem to all want.

Even with low inventory, it feels like there are still pockets where the spreads work if you move quickly. 

The overall inventory has stabilized.Rental Market TrendsThe charts below are only relevant to the property profile that we target.Rentals - Median $/SF by MonthRents increased slightly in August.

Randolph County shows more price stability and limited inventory, which supports LTR demand.

I’ve been digging into the Bryan/College Station market (home to Texas A&M) and wanted to share some fresh numbers from August 2025:Median price: $356,750 (up 2.2% YoY)Active listings: 465 (up 12.6% YoY)Closed sales: 135 (down 0.7% YoY)Days on market: About 93 total (list to close)Months of inventory: 3.9 (slightly up from 3.6 last year)Most of the activity is happening in the $200K–$399K range (55%+ of sales), and only about 1.5% of sales were $1M+.

Fellow lenders/investors,There’s been a lot of momentum toward new construction loans lately, especially in markets where inventory is tight.For those scaling their portfolios, does building from scratch feel like a smarter move compared to chasing overpriced resales?

The fall/winter can also lead to higher 'Days on Market' (DOM) and competition i.e. more inventory.