When you overestimate rehab costs and use conservative after-repair values, you insure yourself against mistakes and help ensure a profit.Good luck to all new investors, and always ask for a second opinion before pulling the trigger on a transaction!

Bloomberg forecasts that with the 50-year loan and a conservative 50 bp rate hike, almost double the total amount of interest would be owed compared to the 30-year mortgage.Making 50-year mortgages a reality would require overcoming major regulatory, operational, and market obstacles.

Get really good at running flip numbers (doesn't have to be perfect, just conservative + buffers) 5.

Given Portland’s rules and prices, keep it simple and conservative: define a tight buy box (SFH 3/1–3/2 or small duplex in stable, landlord‑friendly pockets), underwrite with real taxes/insurance from the address, PM‑verified rents, and a healthy repair/vacancy buffer; ADUs can work but pencil them as a bonus, not the reason the deal works.

Use income‑based valuation, assume conservative vacancy and professional management, and stress‑test debt at today’s rates.

But more accurately, it is normalizing from an extreme low base during the zero-interest-rate policy era, 2020-2021.And consumer retail sales are still quite healthy, up YoY.And just today, the (often conservative/pessimistic) Atlanta Federal Reserve forecast a 4% GDP growth for Q3 of this year.

At current rates and high LTV, sustained costs would have this negative cash flow at double that rent.Now for the flip numbers (I always use the conservative numbers from any range):$719k purchase + $100k (rehab) + ($6350 (holding costs: $5.4k/month (interest only on $650k loan), $700/month property tax, $100/month insurance, $150/month utilities) * months to rehab and sell) + $75.6k  (selling costs (typically between 6% and 9% in San Diego if not a RE agent/broker - remember I use the conservative number of all ranges in my underwriting)If we use 6 months to rehab and sell (which is more aggressive than I would use in personnel underwriting)719,000 + 100,0000 + (6350 * 6) + 75,600 =$932,700$932k - $840k (ARV) = -$92k.Do you see anyway to make a decent profit on this flip.  

Walk three properties weekly, analyze five daily with conservative ARV and rehab, and make offers with inspection and financing outs.

Ask lenders about fix-and-flip, bridge options, and draw schedules, and stress-test every deal with conservative ARVs, full holding costs, and multiple exit plans.

Stabilize the LTR with conservative rent, PM, maintenance, and reserves, then refi or place long‑term DSCR only if it improves cash flow and keeps total cost of capital in check.