“Hundreds of other investors were all waiting on pins and needles for this to happen.”Working with victims was Barry Minkow, convicted in the ZZZZ Best Ponzi scheme in 1987 and now a self-styled fraud investigator.

Sometimes that’s enough to get a review or reconsideration.If that doesn’t move the needle, you can also order a second appraisal through a different lender.

@Joseph Adams if you can find BRRRs right now in Jacksonville that pencil out accounting for all operating expenses then I feel your finding needles in haystacks.

One a year or so wont move the needle unless its true lux market IE  2 to 5 mil spec that has a 500 to 1 mil net profit or more .building a fully levered rental portfolio is the LONG game and while that can and does work its measured in decades not years.

@Kay Sam, working hard for that google reivew lol... just kidding... yeah, I get that concern — a 4-point helps, but it doesn’t always move the needle if the real issue is buyer confidence or numbers not lining up for them.

When I was starting, having bandwidth to study and connect moved the needle more than just stockpiling cash.

On the flip side, holding long term could still provide appreciation and rental income, though it may not move the needle much on retirement cash flow.Since you’re close to retirement, it might help to ask:– Do you value more peace of mind by simplifying and paying off your primary home?

And I'd be well liquid to more then amply take care of any bloody-nose. 

A few big ones that can really move the needle are: maximizing depreciation (especially with cost segregation), exploring short-term rentals (since they can open up deductions against W-2 income under the right conditions), and making sure your entities and income are structured smartly if you’re planning to expand your portfolio.That said, I want to be upfront—two full-time W-2 earners with only long-term rentals are generally limited.

As another stated the financial and credit damage is done going to sale barely moves the needle in that regard so its just BS that there is some credit help happening..