It’s maturing.And for smart investors, that’s the best possible environment.A balanced market gives you the ability to:Buy without panicNegotiate like an adultFind motivated sellersAdd value intentionallyBuild a portfolio based on fundamentals, not frothIf you’ve been waiting on the sidelines hoping for a huge drop—don’t.

. $204,500 @ 17.5%– $35787Estimated Net Proceeds to Seller$350,213Owner Finance: OFFERSale price 350000 Down payment $20,000 Owner finance note for the remaining: $330,000Interest rate: 3%Term: 30 years (fully amortized)Balloon payment: We pay off the entire remaining balance after 8 yearsWhat you actually receive over the 8 years.Down payment (day 1) $20,000 pure cash profitMonthly payment (years 1–8) $1,392.97/mo × 96 months = $133,725Part principal, part interest Of that $133,725: Interest portion ≈ $71,150 your profit minus taxesPrincipal portion≈ $62,575Balloon payment at end of year 8 ≈ $267,425 (remaining balance) capital gains Total cash you receive over 8 years≈ $421,150Your true profit (down + interest)≈ $91,150Estimate Closing Cost ($5,200)Capital gains ($35,787)Net Proceeds $380,163 Never provide owners advice on owner financing.

I am buying my first property this upcoming Monday.I have a student loan balance from dental school above 400k with an interest rate of 5.875%.

Curious how others are balancing DSCR requirements with management strategies. if it aint broke, I do not fix it, regarding strategy and everything in general.

-Landlords want stable tenants, not weekenders.The MTR model hits the perfect balance between profit and peace of mind.Who else thinks 2025 is the year to scale MTRs?

I have a student loan balance above 400k with an interest rate of 5.875%.

utm_campaign=11.18.25_REINewsletter&utm_medium=email&utm_source=lterable&utm_channel=28425&utm_content=Marketing&user_id=The article lays it out clearly.On one side, you’ve got the cash-flow loyalists.On the other, the appreciation purists.And in the middle, a cautious recommendation to blend both and pray you find the right balance in 2026’s unpredictable landscape.The analysis is solid, but it left me thinking; What if you didn’t have to choose at all?

At the time I got a 5-year commercial loan amortized over 20 years, the idea was that every 5 years I would reapply for/refinance the balance at whatever is the going interest rate.So, in 2021 when it was time to refinance (5 years passed), I was able to get a 10-year loan amortized over 15 years.Current rate is 4%, maturity date is 9/31, current outstanding balance is 220,742.

@Andrew SteffensNo lender is going to take a mortgage on an overseas property because they don’t have the infrastructure (nor the willingness) to try to repossess the property in case of default and even the largest international banks won’t do it.You might hear that somebody in the US got a loan in the US to buy a property overseas but that could be because they gave a US property as collateral or any other collateral or it’s a company that has a strong balance sheet and took an unsecured loan but that would likely defeat the propose of the original poster.If you know of any lender who takes an overseas mortgage as sole security for the loan, let me know as I’d be very interested but  I’ve worked in the banking industry across the work for many years so I know that, if ever there was any, it’d be more the exception rather than the rule. 

Quote from @Jason Bobby: Quote from @Cliff Benner: @Jason Bobby I have tried Stessa and I didn't Like it, I am an Accountant and went to School for Accounting, so for me I needed a software that allowed me to make Journal Entries and at the time I used Stessa, I was unable to do that, and I did not like the way the reports read when I pulled a P&L & Balance Sheet.I have found Wave to be a decent software, it is just a free General Ledger Bookkeeping software, not industry specific at all, but allows integrations.