In many Midwest cities you’ll find better margins, lower risk, and more predictability.

These are the same metrics I rely on to find strong cash flow and predictable vacancies, which makes the Midwest a great area for out-of-state investors looking to hold properties long-term.

You’d lock in predictable income, no turnovers, and less management stress.

If you want to have the most accurate cash flow predicted over a long hold, do not look at initial cash flow.  

What is in it for you is that by applying these lessons now, your next deal will run smoother and your profits will be more predictable.

You’ll trade a bit of short-term equity growth for predictability and lower renovation risk once it’s updated.3.

No one could've predicted how fast rates jumped, but it's a good reminder of how critical sponsor diligence and conservative underwriting are.

One vacancy wipes that out fast.Raise modestly (1–2%), communicate early, and keep it predictable.

Hold the note when:The borrower’s solid — consistent pay history, low maintenance, and solid collateral.The yield beats what you can safely earn elsewhere (say, 9–10%+ on a performing note).You want predictable passive income or you’re in a tax situation where recurring income makes sense.Holding gives you stability — monthly cash flow and a nice amortization curve that quietly builds equity.

With 20% down, the duplex likely shows a stronger Cash-on-Cash return because you’re pulling in more net cash flow relative to what you invested.But the single-family might have a better DSCR because one stable tenant makes income more predictable—something lenders like.So—which fits your goals better?