For rentals, it comes down to rent strength and DSCR  if it cash-flows conservatively, it’s usually a solid buy.

  =)you need to conservatively run your own numbers, and use actual numbers and not percentages. 

I’m also being more conservative with underwriting, paying close attention to cap rates, cash-on-cash returns, and potential long-term maintenance.

If you’re restructuring a BRRRR deal or repositioning a flip, don’t just chase lower rates — look at how to structure the loan for stronger cash flow or faster execution.In my experience as a private money loan broker, investors who approach 2025 with a readiness mindset (updated docs, clear exit plans, access to alternative funding) are the ones who’ll capture the best deals as the market resets.Curious to hear how others are financing their pivots — are you tightening, holding, or preparing to scale?

But my best guess right now is that conservatively, ths house should go for at least $850k with basic rehab done.  

Sacrificing some of your personal money & making payments is doable, & chatting with your CPA may be a solid option to carry over losses.

All your questions about advice on financing and the local market can be answered here on BP.As you work to make and save more money, it couldn't hurt to begin speaking with friends and family. 

Even if you loose a little money, you got a a lot of an education for that money!

I encourage new people to use Hard Money Loans at the beginning.

Lock a tight buy box by submarket and vintage, underwrite to in-place income first, then model stabilized rents with conservative expenses and a true cap-ex reserve.