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Lol. Never understood people’s obsession with rental properties. Based on the market environment it either makes sense or it doesn’t. Why force it?
Sounds like you've picked a bad (terrible?) property. Properties should comfortably cash flow at 20% down.
Do you live in a HCOL city? Despite high rents theyre usually terrible to invest in. The real money is made in the Midwest and the south east.
How much are you looking to spend?
That mortgages rates are significantly higher than they were 5 years ago
Invest in the equity market instead
Have you looked at dscr funding?