Thank you — and you nailed the exact philosophy behind it.I’ve actually turned this entire lender-grade underwriting framework into a clean, step-by-step analysis system specifically for 2–4 unit deals so investors can run their own properties through the same assumptions without guesswork.It shows:• true DSCR (bank standard)• real cash flow after reserves• and your actual maximum safe offer — not just “what looks good”I’m sharing it here for anyone who wants to stress-test their next deal properly:vincenzo45.gumroad.com/l/bktvrIt’s been a game-changer for how I screen deals. 

I don't want to extra stress of managing it with my current lifestyle.

Poor Maintenance - Owners/Managers are letting maintenance go due to decrease revenue, starting a spiral to the bottom quality and poor reviews. 

.• Sensitivity: Homeowners in foreclosure are under stress; aggressive tactics can backfire.

Put away at least 10% of every paycheck while you decrease expenses.

If this won't add much stress and you are okay with breakeven or even a small loss, then keeping it could make a lot of sense for the long term appreciation, principal paydown, tax write offs, etc.If you are needing the cash flow from the property and it isn't going to pencil where you need to be then maybe selling it could make more sense.Also looking at mid term renting furnished for higher rents.

What I have found is that after Nov 1 the pool of good applicants decreases .

You could also look at cash out refinance or selling the townhomes that aren’t cash flowing and use that equity as a down payment toward buying existing multifamily units.Building sounds exciting, but there’s a lot of stress that comes with it, construction timelines, cost overruns, lease-up risk, and carrying that big payment while you wait for tenants.Personally, I think it’s safer to buy something that’s already built and stabilized, or at least needs only light rehab.

@Cesar Sagastume, as financial pressure builds, the emotional stress increases. 

Vacancies cost real money, and when things feel slower than expected, that creates stress.