There is no logical reason on products.

I still had to bring $26k to closing in order to cover the down-payment, but I left closing with a $26k check from the seller to essential end up with no money out of pocket (in reality, I used the $26k to make repairs on the property).I know there are certain limitations on particular loan products that limit the maximum amount of seller credits allowed (6% for FHA, 4% for VA, etc.); however, I am using a commercial line of credit that does not have a limit on seller credits.

Check with lenders for current product availability.

Estero Unit — Lower Cash Flow, Far Lower Risk Pros: • Gated community, which is highly attractive for seasonal renters • Strong amenities (pool, gym, basketball courts, storage) that improve tenant retention • Larger reserve fund of $500K • Built in 2003, giving more time before major SIRS-related issues • Seasonal rent potential around $4,500/mo • Stronger tenant demographic and long-term desirability • Reasonable CDD fee of $900/year Challenges: • Higher HOA at $600/mo • Slightly tighter cash flow • Higher purchase price at $255K Even though the HOA is higher, the value you’re buying is long-term stability, demand consistency, and a stronger product for future resale or refinancing.

They are some sort of bot that positively talks about a product, seminar, or guru after negative criticism has been given. 

You could do the hard money route and then refinance into conventional product and house hack from there.

I give my thoughts in my weekly Skeptical Take below.My Skeptical Take:I do agree with the direction of Yardi’s analysis, but its economic forecast is a very conservative estimate.It all out ignores what I view as likely accelerated GDP growth in 2026, as new tax policy and an extraordinary AI Industrial Revolution drive productivity gains and fatten both company and consumer wallets (I know that sounds gross, but that is the most likely scenario.

I would say my product is on the nicer side for the area. 255k sounds reasonable for an appraisal.

It was refreshing to work with someone who understands investors and has a variety of loan products available for more complicated financing. 

It’s less about physical location and more about how active she is in running the show.A lot of investors in similar setups document their hours carefully and stay involved in decisions and communication with their PM.