It keeps quality high and liability low, while still giving owners predictable costs and fast turnaround.At the end of the day, I think both models can work — it just depends on scale and structure.

Think metros with diverse employers, C to B neighborhoods, and predictable permitting.

Financing PathwaysConventional Cash-Out Refi: Ideal if you want predictability.

Consistent tenants, simple ops, and predictable returns , that’s the kind of stability investors overlook when chasing scale.

Finally met with someone who was recommended from a really good source and the result of the meeting was basically what I had predicted, so no financial advisor for us.

Predicted return 15% a year.

If the servicer turns out to be as bad as you predict and affects your lender, they could easily switch providers.Lastly, your lender doesn’t make money from the servicer; they make money from you and therefore have an incentive to keep you happy.

That’s a great question — and honestly, I’m seeing more investors thinking the same way right now.Owning notes definitely gives you consistency and less operational stress — no tenants, no maintenance calls, and usually predictable returns.

Michigan’s investor taxes aren’t fun, but they’re predictable, and Grand Rapids has proven to weather downturns well.

Guarantee there will be bulls and bears but I don't know anyone who can predict when and how much on a consistent basis.