Most of my clients just took the leap when the opportunity aligned with their goals and risk tolerance.

While it may be in ten years time that the roof needs to be replaced, the roofing component of the property is using 10% of it life every year and hence the true cost of this depreciation should be borne each year, not all at once in 10 years.  

They can be either rocket fuel or dead weight—it all comes down to alignment.

You'll need to sit on it for 6 months or more for the lender to recognize the new value.How does this align with your plans?

However, this approach carries certain risks: most notably, you're bound by the terms of the current lease, which may not align with your standards or expectations.As part of your due diligence, it's wise to request the tenant’s application materials, credit and background checks, payment history, and details on the security deposit.

Damaging certain components so they can make money off of the repair.

All of those opportunities stemmed from a single connection or conversation I could’ve easily overlooked.So I don’t see networking as just a way to find deals or mentorship, I see it as a tool to align yourself with the right people, proximity to ideas, and platforms you might not have access to otherwise.

While this can stabilize rent, it also brings numerous downside risks.The end buyer typically pays market value with guaranteeing higher-interest debt.Fully amortizing loans start from Day 1.Financing process includes lender underwriting fees, origination fees, and most commonly a 5 or 3 step down prepay penalties—often adding friction and cost.Creative Turnkey Model: Flexibility & UpsideExpands into markets where traditional turnkey strategies don’t pencil—often, higher-demand, appreciating areas.Focus is on newer vintage homes in desirable neighborhoods, often requiring minimal or cosmetic repairs.Higher rents, higher income tenant profiles, and fewer capital expenditure surprises.Structures like seller financing and subject-to allow for:No bank financing needed → no origination fees, underwriting hurdles, pre-pay penalties or lender-imposed constraints.No personal debt guarantees required in most cases.Often access significantly lower interest rates than current market levels.Buyers benefit from “seasoned” loans—amortization may already be 2–7 years in, increasing principal paydown velocity.Subject-to deals as opposed to seller financing carry due on sale risk and must be ethically and transparently structured—The due on sale clause risk exists, and both seller and buyer need disclosure and to be aligned on expectations and risks.Everyone’s investment thesis is different, and there are pros and cons to both approaches depending on the investor’s risk tolerance, capital structure, and long-term goals.That said, while creative financing offers meaningful upside—particularly in today’s high-rate environment—it can also introduce confusion.

However, I quickly discovered that the preliminary numbers provided to me were not aligned with the final figures, which I understand can be influenced by factors such as credit assessments.

At the decent age of 39 I find myself on dialysis and at job this is pushing radical changes I don't align with.