A few signals in the Louisville housing market are lining up in a way that’s easy to miss if you’re only watching headlines.First, other states are finally addressing housing affordability at the structural level. and have moved to relax land-use rules so starter homes on smaller lots can actually be built again.

.: Hi,I got 85k unsecured line of credit approved.

Hi @Autumn Wibright - agent and investor here!

So, again, it's generally not a good idea to use a credit line for long-term commitments.

Hi,Day before yesterday I was approved for 38400$ business line of credit from a big bank(I have to pay 1600$ each month if I choose 2 year term if I choose 1 year or 6 months or 3 month term payements are higher) as I have business card account with them for about 6 years with using my rental property LLC.

I see a lot of new investors run pro formas to make sure a deal “pencils.”That’s great — but there’s one line item that gets skipped more than any other CapEx.CapEx is money set aside for capital expenditures — the big-ticket items that wear out over time:RoofsHVAC systemsMajor appliancesPlumbing or electrical updatesThese costs don’t show up every month, which is why they’re easy to ignore.But when they hit, they hit hard.A deal can look great on paper and still fall apart if CapEx isn’t built in from the start.If you want to know whether a deal actually works — not just today, but long-term — CapEx has to be part of the math.For those starting out: do you include CapEx in your pro formas, or is it something you’re still figuring out?

However, with everyones responses, there are some very clear lines to draw from.

How renters typically behave (all else equal)Larger two-story, zero lot line (4/3.5, no yard)Attracts:Roommate groupsLarger families prioritizing bedrooms over outdoor spaceShorter-to-mid-term rentersRenters trading space for affordability vs luxury apartmentsTrade-offs:Higher wear and tear (stairs, bathrooms, shared living areas)More noise complaints between floorsMore turnover when household composition changesLess emotional attachment to the propertyThis layout rents fast, but it often turns more.Smaller single-story with a small yard (3/2)Attracts:Families with kidsOlder rentersPet ownersLong-term, stability-focused tenantsAdvantages:Single-story living is universally preferred long termYard creates emotional stickiness, even if it’s smallFewer maintenance issues tied to stairs and vertical plumbingLower churn and longer average tenancyThese don’t always rent faster, but they rent longer.What usually performs better as a rentalAcross most suburban and secondary markets:Single-story homes outperform on retentionTwo-story homes outperform on initial rent per square footIf your goal is:Maximum rent today → two-storyLower headaches + longer stays → single-storyVacancy and turnover costs quietly erase a lot of the extra rent from larger homes over time.One important wildcard: HOA and community designZero lot line homes almost always come with:HOA rulesRental capsTenant restrictionsLimited exterior controlThat adds operational risk you don’t fully control.A small private yard, even low maintenance, gives you:More controlFewer compliance issuesBetter tenant satisfactionIf I had to choose one property to hold long term as a rental, with everything else equal:Single-story 3/2 with a small yard wins more often than not.It produces:Longer tenanciesFewer headachesMore predictable performanceThe larger two-story works fine, but it behaves more like a “high-usage asset” than a durable one.

any recommendation on who can provide line of credit. rental properties in ohio.

Some investors won’t write an offer without a lender ready. Others lock the deal first and figure out funding later. Which approach has worked better for you?