Great question — I see investors wrestling with all three, but the toughest one usually depends on where you’re at in the cycle: Loan Structure: Right now, DSCR and covenants are killing some deals.

Under 30 Days = Possible, but ToughWe’ve closed deals with less than three weeks left, but everything had to line up:Seller already had docs readyNo major title issuesCash or private money funding ready to goOtherwise, the clock kills deals fast—especially if banks aren’t quick to respond.3.

Believe it or not, I’m killing it with Ybor City in Tampa right now—historic charm, walkability, events, and year-round tourism keep it booked.

HELOC (Home Equity Line of Credit)Pros:Flexible—you only pay interest on what you draw.Fast access to capital for deals as they come up.Cons:Variable interest rates can jump on you, which kills long-term predictability.As investors, we want constants in our portfolio, and HELOCs create one more moving piece that can eat into margins if rates rise.Banks can reduce or freeze HELOCs in certain market conditions.3.

It may help to renegotiate with the seller for more time so you can close on this without killing yourself in fees. 

Super cool to hear you built an A-Frame in TN- you're gonna make a killing!

Not many ways to kill it in the short-term rental world right now.

Maintenance and upkeep can kill cash flow.

Depending on the scope of work, pictures during work maybe over kill, but can be expected if you have a large renovation etc.

Even if appreciation is slow, the rental demand tends to stay strong.If it were me, I’d confirm:What real rents are today (not just past ones).That taxes/insurance are accurate—those kill cash flow if they jump.But based on what you posted, the deal seems reasonable for a house hack that becomes a solid rental later; @Jennie Ballard I hope I was able to help you a little and shed a different perspective, I sent you a DM on BP and hope you are able to assist.