It’s hands-down one of the most effective ways to get the flywheel moving early on.

Seller credits can cover closing costs, reduce your interest rate, or even fund repairs—all tools that can lower your effective cost of money.When you’re writing offers, think strategically:If you plan to hold long-term, a rate buydown can outperform a small discount.If you plan to refi or sell soon, weigh whether the upfront savings align with your timeline.Before you send your next offer, ask yourself: Would I rather have a $10k cut or a $10k credit?

We don’t just process rent—we create connection.This month, that connection turned into something remarkable:We featured a long-time tenant in our first Tenant of the Month newsletter.She’s been resilient through serious health challenges—always communicative, always accountable.One of our owners, moved by her story, stepped in to cover her rent as a gift—on her birthday.This is the Ripple Effect of Kindness in action: strong tenant relationships create stable properties, happy neighbors, and owners proud of their investments.Building wealth isn’t only about numbers on a spreadsheet.

In expensive markets like New York area, this is the most cost effective way to get into properties and ideally reduce your housing expenses. 

Sellers will be able to leverage pricing softwares, scan Public records, GIS maps, title histories, and can educate themselves on deal structuring, seller psychology, and creative financing to negotiate effectively—often with more flexibility than agents constrained by brokerage policies.

If they can’t provide that, it’s a sign they may not be organized enough to finish the project effectively.

Actually, they were mandated as an FTC ruling that went into effect in May.  

So if you bump the price up to include your commission and seller credits, you’re effectively using those credits to offset what you’d otherwise bring to the table — a smart way to keep cash in your pocket.Let’s say:$470,000 purchase price20% down = $94,000You’re getting ~$42,000 back in total commission and seller creditsThat means you’re only out roughly $52,000 net, which matches your notes.If you go with Option 2 — lower price ($435K) and less credits — your down payment drops ($87,000), but since you’re only getting $10K in credits, your out-of-pocket jumps closer to $77K.

I have never insured with Proper, so it will have no immediate effect on me, but one less insurer means higher premiums for everyone. 

Pricing your property in a competitive market is in my opinion one of the most important functions of effective management.