I have a number of investor clients who choose to carry just a basic fire and liability policy, and that can make sense if your goal is to keep premiums low and you’re comfortable taking on the risks of wind, hail, or theft yourself.

Around here, it’s impressive when an HVAC system lasts beyond 20 years — and even more so for a roof, given how hail-prone we are in Central Oklahoma.From your perspective, is it safe to assume that as long as investors continue purchasing decent C-class or better properties, there will always be insurers willing to provide fair rates?

With $30k in, you’ve built a nice entry point and should have options down the line whether you refinance, ride appreciation, or just let cash flow do its work.

It’s one of those markets where you can still get in at a reasonable entry point but also ride the appreciation wave as the city continues to grow.Curious if others here on BP are noticing similar dynamics in their markets — are you seeing that same combination of affordability + growth elsewhere, or is this more unique to Columbus right now?

Whether this is a true recovery or just a dead cat bounce remains to be seen 08 09 I was buying foreclosures there .. brand new homes that were selling for 250k I was buying fr 30 to 70k.. that market can and does have wild swings.. took decade or more to recover and I think those that have bought at the peak if its not a prime location are in the same boat.. they are stuck and will need to ride it out.   

With respect to the 15 year 2%-3% loans, aside from maybe serving a cash out need, it seems best to ride those horses the length of the term.  

But I say ride that pony a bit and let us know how it goes.

Duke Hospital area is about a 30-50 min ride away. 27610 should largely be avoided, except for some pockets. 

If so, it might be simplest to just ride the hard money loan until the lease is seasoned so that you can use the lease terms rather than the 1007. 

If it still pencils, I know I can ride out short-term bumps.