It is a complex, capital-intensive, and time-sensitive strategy that compounds the significant risks of both types of transactions.You the buyer, are responsible for making the mortgage payments, while the seller remains legally liable for the loan in the eyes of the lender.

This claim is a ruse to collect sensitive personal and financial information. one needs to watch the American Greed episode on Remington financial they were the poster child.. and a little different scam they went after dreamers looking to do more than vanilla loans.. they had offices in scottsdale and I think MN and appeared very legit but they required 10k non refundable DD money.. which over the course of 20 some years they took in thousands of 10k deposits and made less than 10 loans.. the owners went to prison.. the lady who busted them was Ingrid Robinson and she has a website on DD scammers..

IRR is dropping like a rock, and it's clear to me inadequate sensitivity analysis around interest rates and occupancy stabilization was done. 

I should probably restrain. 

A property that’s “good enough” to rent quickly, with durable finishes, is often better than a show-home that requires constant attention.High-end features can be nice, but they don’t always translate into higher rent or occupancy, especially in price-sensitive markets.4.

Hi @Laura Au,Although we're in a very price-sensitive market, properties are still moving fairly quickly once they do hit that magic number on the list price.

Financial Detail LevelFirst meeting: Keep it simple: “Projected 15% IRR, 8% cash-on-cash, 2x equity multiple over 5 years.”Second meeting: Provide the full pro forma spreadsheet with assumptions and sensitivity analysis.5.

Sensitivity will be KEY here. 

Full-Appraisal Loan (75% LTV) – When Leverage WinsExample:You’re buying a stabilized rental with plenty of time before closing—no bidding war, no motivated seller.Purchase Price: $200KLoan at 75% LTV = $150K (you bring $50K cash)Appraisal risk is low because comps are solid, and you want to keep more cash for the next deal.This works best when:You want to maximize leverage and recycle cash quickly.Timing isn’t as critical as long-term financing terms.My Opinion:Speed wins when the deal is time-sensitive or ultra-competitive.Leverage wins when the market is stable, the appraisal risk is low, and you want to stretch your capital further.

Is this after income tax, is CAPEX built in- do you have a stair step model on the roof, windows, hvac, floors, foundations, etc; will property tax go up after the purchase, is this an Appreciating or Depreciating market and asset, does the 11% cover say 3% inflation, Occupancy rate assumption, current tenants, Sensitivity to 5 year balloon term refi interest change.