So it my experience month-to-month tenants aren’t necessarily a problem, but it does come with some unpredictability and is only something I would do temporarily.The bigger concern is the basement unit.

Assuming the bank is your only option.If you’re buying a multifamily, traditional banks can be slow, strict, and unpredictable.

.✅ Insurance pain is real — but stabilizingRates are still high, but they’re no longer unpredictable.

This offers steady cash flow from multiple tenants, reducing risk compared to flipping, which can be unpredictable.

I spent the last couple of decades in big tech, but after experiencing the unpredictability of corporate downsizing, I decided it’s time to take control of my future.I’m here because I want to work for myself, build something meaningful, and create long-term stability for my family.

The rate volatility is definitely contributing to the the ultimate underlying thesis in today's world-- unpredictability. 

The spread can be huge and unpredictable, so we’ve learned not to trust averages.My advice for anyone investing in the Gulf South:Get real quotes early, even on wholesale deals.Look at portfolio impact, not just individual cash flow.And if you're buying holds, make sure your long-term return makes sense even with today’s premiums.

We target a spread of 150–200 basis points (1.5–2%) to ensure the project delivers a meaningful return relative to the risks involved.Here’s why the spread matters:Risk Buffer: Development is inherently unpredictable—construction delays, cost overruns, or market shifts can erode returns.

And the very nature of a Blackswan is it's completely unseen, unknown and unpredictable.

Taxes can feel like they are so unpredictable but I am doing my best to get ballpark what they will be.