@Jay SmithThis is a great example of why screening frameworks have to be adjusted by market.

There's always exceptions of course, but for most buyers and sellers, that should be the expectation.Addison, Allen, Anna, Azle, Batch Springs, Bedford, Benbrook, Burleson, Cedar Hill, Celina, Cleburne, Colleyville, Coppell, Corinth, Crowley, DeSoto, Duncanville, Ennis, Euless, Farmers Branch, Fate, Flower Mound, Forest Hill, Forney, Glenn Heights, Grapevine, Greenville, Haltom City, Highland Village, Hurst, Keller, Lancaster, Little Elm, Mansfield, Midlothian, Mineral Wells, Murphy, North Richland Hills, Prosper, Red Oak, Rockwall, Rowlett, Royse City, Sachse, Saginaw, Seagoville, Southlake, Terrell, The Colony, Trophy Club, University Park, Watauga, Waxahachie, Weatherford, White Settlement, Wylie, Dallas, Fort Worth, Plano, Irving, Garland, Grand Prairie, McKinney, Frisco, Mesquite, Carrollton, Denton, Richardson, Lewisville, or Arlington

Attach the deed or settlement statement, W-9, direct deposit form, and current lease together in one PDF.Third, if possible, loop in the prior owner and ask them to notify the housing authority in writing that they no longer own the property and should not be receiving payments.

That’s a helpful framework for residential and small-balance rental loans.For commercial real estate, many of these questions shift meaning or disappear entirely.

We want to look at the settlement statement, note, mortgage, all assignments, all alonges, & a complete payment history.

The “Never Sell” framework is an endgame strategy.

In the near term, this dynamic leaves rates susceptible to incremental pressure rather than sustained trends until fresh labor data restores clearer visibility.Addison, Allen, Anna, Azle, Batch Springs, Bedford, Benbrook, Burleson, Cedar Hill, Celina, Cleburne, Colleyville, Coppell, Corinth, Crowley, DeSoto, Duncanville, Ennis, Euless, Farmers Branch, Fate, Flower Mound, Forest Hill, Forney, Glenn Heights, Grapevine, Greenville, Haltom City, Highland Village, Hurst, Keller, Lancaster, Little Elm, Mansfield, Midlothian, Mineral Wells, Murphy, North Richland Hills, Prosper, Red Oak, Rockwall, Rowlett, Royse City, Sachse, Saginaw, Seagoville, Southlake, Terrell, The Colony, Trophy Club, University Park, Watauga, Waxahachie, Weatherford, White Settlement, Wylie, Dallas, Fort Worth, Plano, Irving, Garland, Grand Prairie, McKinney, Frisco, Mesquite, Carrollton, Denton, Richardson, Lewisville, or Arlington

Think of it like this: if a $2,500 cage prevents a $6,000 compressor replacement or repeated theft, it’s not optional.The simple framework I’d use (so you don’t get wrecked)If you’re chasing $50k–$90k houses, expect higher risk + higher management intensity.If you buy in the $130k–$200k range (often 3/2 brick ranch territory), you usually get a better balance: still cash flow potential, fewer headaches, better tenants, better resale.If you’re new to Columbus, do this before buying anythingSpend one day driving neighborhoods (or do a video drive with a local PM/agent)Underwrite with real numbers:insurance quote in handvacancy (at least 5–8%)repairs/CapEx reservesproperty management (even if you self-manage)Avoid buying your first deal sight unseen.If you want, I can share a quick “starter buy box” by zip code and property type (cash flow vs stability), but the big takeaway is: Columbus can work, just don’t buy the cheapest thing on the map and expect it to behave.

What’s helped me is having a consistent framework and a simple spreadsheet to compare both options side by side.I usually start by setting my personal criteria:Flip: Quick turnaround, rehab + purchase costs make sense, strong ROI within 6–12 months.Hold: Positive cash flow, good cap rate, long-term appreciation, manageable landlord responsibilities.Then I run both scenarios in a spreadsheet (purchase price, rehab, holding costs, expected sale price or rent, financing).

I do have clear objectives around building durable, well-underwritten investments, but I'm intending to get the framework and decision criteria right before setting specific unit count targets or timelines.