See if the city has a free capital investment or a Federal funding program depending on size and location of location.8.  

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Most PHAs still treat marijuana as a federal controlled substance, so they can support lease enforcement actions if it violates the program’s federal requirements.

Bonita Springs Unit — Strong Cash Flow, Higher Long-Term Risk Pros: • Attractive entry price at $223K • Strong tenant demand confirmed through your FF test • Seasonal rent potential around $4,000/mo • HOA fee of $460/mo is reasonable for the area • Not in a flood zone • Solid reserves ($480K for 78 units) • Strong cash flow potential Concerns: • Low occupancy rate at 41%, which may affect resale value and certain loan program eligibility • No designated parking, which can impact long-term tenant satisfaction • SIRS and milestone inspection requirements — these can lead to future assessments under Florida’s newer condo regulations • HOA leadership uncertainty — estimated increases are rarely accurate This property offers compelling cash flow today, but carries more long-term structural and financial risk.

Staffing, care levels, service quality, food programs, compliance, medical oversight — one slip in operations can take a deal from profitable to underwater quickly.

Modern lending relies heavily on the Flat 35 program — a fixed-rate mortgage with a maximum 35-year amortization, not 50 or 100 years (source: Expatica, “Mortgages in Japan,” 2025).

We also have educational programs monthly if you are interested.Shoot me a message and I can give you contact information Thanks Alan

For my flipping business, I prefer to use fewer software programs to streamline things.

- Many lenders have foreign national programs, we do a lot of foreign national loans especially in the Miami market. 

The Bureau is proposing certain amendments to the final rule implementing these requirements, including exemptions for certain nonprofit creditors and certain homeownership stabilization programs and an additional definition of a qualified mortgage for certain loans made and held in portfolio by small creditors.