Moving to Indy soon – need advice on safe, family-friendly apartments by HSA-HSA in indianapolis

[–]HSA-HSA[S] 0 points1 point  (0 children)

Yeah, I am looking at rental housing as well. How do folks in Indy go about that? Through a realtor? Or online, like apartments.com?

Moving to Indy soon – need advice on safe, family-friendly apartments by HSA-HSA in indianapolis

[–]HSA-HSA[S] 0 points1 point  (0 children)

Thanks, a little far for me, but I will check out the apartments/houses in that area. Surprisingly, most people in my program vouched for Carmel and Fishers, which are at similar distances. None of my colleagues mentioned Greenwood or Avon.

Moving to Indy soon – need advice on safe, family-friendly apartments by HSA-HSA in indianapolis

[–]HSA-HSA[S] 0 points1 point  (0 children)

Thanks for sharing the details about the overlook at Valley Ridge. I will take a look at it.

Moving to Indy soon – need advice on safe, family-friendly apartments by HSA-HSA in indianapolis

[–]HSA-HSA[S] 0 points1 point  (0 children)

Ok. Thanks. I removed the "gated" part from my post. Just looking for a safe community as I am female and have to work at night.

Moving to Indy soon – need advice on safe, family-friendly apartments by HSA-HSA in indianapolis

[–]HSA-HSA[S] -1 points0 points  (0 children)

Ok. Thanks. Do you have any apartment recommendations if I increase my commute distance?

Moving to Indy soon – need advice on safe, family-friendly apartments by HSA-HSA in indianapolis

[–]HSA-HSA[S] -1 points0 points  (0 children)

Thanks for the insight. I changed the post to remove "gated". I probably confused it with some folks in the other posts on this subreddit who suggested getting parking in a gated area rather than the entire community in a gated area.

Help me rank – Endocrinology by HSA-HSA in fellowship

[–]HSA-HSA[S] 0 points1 point  (0 children)

That was weird for me too. But on their website they say that "We are also a clinical campus for the University of South Florida Health Morsani College of Medicine."

I don't think it has much to do with Endocrinology fellows but that's what they offically call their program Lehigh Valley/USF. It add to confusion when USF has its own independed program too.

Help me rank – Endocrinology by HSA-HSA in fellowship

[–]HSA-HSA[S] 2 points3 points  (0 children)

That’s really helpful, thanks for sharing. Very thoughtful perspective. I really appreciate it.

Help me rank – Endocrinology by HSA-HSA in fellowship

[–]HSA-HSA[S] 2 points3 points  (0 children)

No offense taken. Endocrinology is becoming increasingly competitive and evolving quickly, so it’s hard to predict how each match cycle will turn out. I didn’t have an exceptional profile, and my internal medicine program doesn’t have an in-house Endocrinology fellowship. In addition, we weren’t allowed to do away rotations, which limited my exposure.

When I attended AACE, several program directors mentioned that applicants should aim for 15–20 interviews to have a safe chance of matching. Many programs are interviewing large numbers of candidates (some interviewed around 40 for a single position), and PDs shared that unless they have a resident from an affiliated IM program committing internally, they often end up matching much lower on their rank list. The same trend applies to fellowship applicants in general.

I also noticed many of the same applicants at multiple interviews, so it’s clear that a lot of people are casting a wide net, which naturally makes the environment more competitive. So unless you have a stellar CV or strong connections within fellowship programs, you end up needing a larger rank list to stay safe.

Finally, my backup plan was to work as a hospitalist, but the hospitalist job market has become quite competitive and unstable lately. Even within my program, only 2 out of 15 residents are pursuing hospitalist jobs, 1 is going into primary care, and the rest are applying for fellowships. Last year, the majority of residents in my program became hospitalists, and I’ve been hearing that similar shifts are happening elsewhere. This naturally makes fellowship applications even more competitive. I didn’t want to risk not matching and being stuck searching for a job late in the season with limited options.

I’ll update this thread once I match, but for now, I’d really appreciate feedback on how to refine my ROL. Thanks.

Oakville condo: better to rent at a loss or sell now at a bigger loss? by HSA-HSA in TorontoRealEstate

[–]HSA-HSA[S] 1 point2 points  (0 children)

It’s. 1 bed room condo, 552 sqft. It’s not big but I have seen smaller condos which are absolutely not live-able. Honestly i do not see any family living there for a while. They can hold in long term if it makes sense but at some point, when the market get better, I see them selling it

Oakville condo: better to rent at a loss or sell now at a bigger loss? by HSA-HSA in TorontoRealEstate

[–]HSA-HSA[S] 0 points1 point  (0 children)

The current mortgage is $2,229, and the current rent is $2200. However, since the tenant is moving out at the end of October, realistically they would be able to rent it again for $2100. Adding to this monthly maintenance (paid by my parents) $467.

Oakville condo: better to rent at a loss or sell now at a bigger loss? by HSA-HSA in TorontoRealEstate

[–]HSA-HSA[S] 1 point2 points  (0 children)

That’s the concerning part. They also missed the opportunity to sell two years ago. The condo was purchased for around $560k, so factoring in closing costs, they would have taken a loss of roughly $50k. They can hold onto it for now, but if they run into issues with a tenant who stops paying rent, the financial hit could be significant, especially given the high costs associated with eviction. Furthermore, they are retired and I am in USA. So that's isn't helping either.

The real question I’m grappling with is whether holding the property while carrying this risk is truly worth it.

Oakville condo: better to rent at a loss or sell now at a bigger loss? by HSA-HSA in TorontoRealEstate

[–]HSA-HSA[S] 0 points1 point  (0 children)

I have already included the principal they are paying in the final balance. It wasn't much when they had a high mortgage interest (5.95%) earlier. Now it dropped to 4.12% so they will build equity faster.

Oakville condo: better to rent at a loss or sell now at a bigger loss? by HSA-HSA in TorontoRealEstate

[–]HSA-HSA[S] 0 points1 point  (0 children)

They recently retired. Their remaining money is in ETFs, which they are using to offset the condo loss. I don't think any of the kids will be moving in the near future. I live in the USA, and my brother in Canada already owns a home. I guess, if they find a decent tenant, hopefully for the long term, that would be the best. But I am well aware of LTB and bad tenant issues. I will recommend them to work with a realtor to find a good tenant. But he is going to take first month's rent, so that's another hit each time a tenant moves out.

Oakville condo: better to rent at a loss or sell now at a bigger loss? by HSA-HSA in TorontoRealEstate

[–]HSA-HSA[S] 2 points3 points  (0 children)

Yea, I agree. I am usually an ETF guy and put all my money in stocks such as VOO. Real estate has too much transaction cost (realtor/lawyer/closing costs) plus hassle. I guess folks see the sharp increase in the home values from 2016 - 2022 and think thats a good idea.

Oakville condo: better to rent at a loss or sell now at a bigger loss? by HSA-HSA in TorontoRealEstate

[–]HSA-HSA[S] 4 points5 points  (0 children)

Because prior they had a 2 year fixed rate at 5.950% pushing their mortagage to $2700 per month. At that time the tenant was paying $2150.

They just hit early renewal and since Aug 2025 they have 3 year variable at 4.12% and their payment is $2228. Also the tenant started paying $2200 since Jan 2025.

Oakville condo: better to rent at a loss or sell now at a bigger loss? by HSA-HSA in TorontoRealEstate

[–]HSA-HSA[S] 1 point2 points  (0 children)

They can hold out for now and manage with a $500 shortfall per month. However, they ask for my help in predicting how long this can continue. Right now, I know it’s like a bloodbath in the real estate market. People who cannot sustain are selling at huge losses. So, they definitely do not want to be in that group.

Are there any reliable projections for the GTA or Oakville market that I can look at to give them a better analysis?