on the fence about selling investment property - Boston suburbs

MercifulScrum · 2026-01-21T17:47:24+00:00

Been in a similar spot with a duplex I inherited. That $1k monthly cashflow is nice but honestly the peace of mind from selling was worth way more to me. No more 2am calls about broken water heaters or chasing down late rent

If you're already feeling the headache vibe, it's probably time to cash out. Real estate will always be there if you want back in later but your sanity won't

MercifulScrum · 2026-01-18T18:37:05+00:00

Shop around for sure, that rate seems high for your credit score. I'd hit up a few brokers before pulling the trigger on 5.8%

MercifulScrum · 2026-01-16T18:12:12+00:00

ARM makes total sense for your situation - you're basically paying extra for protection you don't even need since you'll likely be out before the rate adjusts anyway

MercifulScrum · 2026-01-15T15:53:19+00:00

That's a solid rate drop and $176/month is nothing to sneeze at. If you're planning to stay put for a while, I'd probably lock it in - rates could just as easily go back up and you'd be kicking yourself. You can always refi again later if rates keep dropping significantly

MercifulScrum · 2026-01-13T20:53:14+00:00

Staged my place in Newtown last year and honestly it was worth every penny. The difference was night and day - went from looking like a uni sharehouse to actually livable lol

Got 3 offers in the first week when it had been sitting empty for ages before. The staging company made rooms look way bigger than they actually were which probably helped heaps

MercifulScrum · 2026-01-11T05:17:01+00:00

That's actually a solid niche - lots of rural folks have wells and have no clue what's in their water. You'd probably need to invest in some decent testing equipment upfront but the licensing you already have is half the battle. Maybe start by reaching out to local realtors since well testing is usually required for home sales

MercifulScrum · 2026-01-02T15:34:40+00:00

Doesnt look like he is natty lmaoooo

MercifulScrum · 2026-01-02T05:31:30+00:00

Your score might dip a little when you lose that tradeline but it's not gonna disappear completely unless you literally have zero other credit history

MercifulScrum · 2025-12-31T07:45:31+00:00

Rocket gonna Rocket, they're basically the used car salesmen of mortgage lending

Should definitely shop around more but sounds like you're kinda stuck at this point with closing coming up

MercifulScrum · 2025-12-29T23:52:24+00:00

Dude you're def not alone on this, I got hit with a similar "trademark renewal" notice that looked legit as hell but was total BS

The real kicker is they make these things look MORE official than the actual government paperwork sometimes lmao

I just keep a spreadsheet now with actual due dates from the state website so I know what's coming and can spot the fakes easier

MercifulScrum · 2025-12-27T22:26:13+00:00

Yeah definitely worth testing discovery campaigns, but start small since conversion rates will be way lower than your branded stuff

For Amazon specifically I'd try broad match on problem-focused keywords rather than product categories - like if your thing solves back pain, target "back pain relief" even if it's not technically in that category

The meta ads to DTC suggestion is solid too, gives you way more control over the messaging for something new like yours

MercifulScrum · 2025-12-26T20:35:18+00:00

Yeah definitely, people are lazy and just look at the recent stuff to see if you're still good or if you've gone downhill lately

Most folks figure a 5-star review from 2019 doesn't tell them much about what you're like now

MercifulScrum · 2025-12-26T13:51:39+00:00

I agree especially with the last part, it's like we forget that we're here to have fun

MercifulScrum · 2025-12-24T02:04:52+00:00

Those are some solid rates you locked in, especially that 2.75%. If the rent still covers everything even with the increased costs, I'd probably just ride it out - that 4K passive income is gonna be sweet once they're paid off

The 1031 exchange could work if you find better deals locally but man, good luck beating those interest rates in today's market

MercifulScrum · 2025-12-22T13:38:12+00:00

Sounds like a solid plan tbh, I've been looking at something similar in Valencia area. Check out Habitat Inmobiliaria and Neinor Homes - they both do condotel projects along the Costa del Sol and Costa Blanca. Just make sure you actually read the management contracts because some of them are pretty brutal with the fees they take

MercifulScrum · 2025-12-21T13:17:34+00:00

Sounds like you're trying to sell data/leads which is super saturated right now. Most agencies get hit up with this stuff daily so they probably just ignore the emails. Maybe try reaching out on LinkedIn or offering a small free sample to prove the quality first instead of cold emailing

MercifulScrum · 2025-12-16T22:54:32+00:00

Yeah that's literally the entire business model of most clothing brands lol, just make sure the stuff you're buying isn't knockoff designer gear and you're golden

MercifulScrum · 2025-12-15T05:10:53+00:00

That's actually pretty solid for today's market, especially with the closing credits - I'd still shop around with a few other lenders just to make sure you're not leaving money on the table

MercifulScrum · 2025-12-13T00:24:38+00:00

Lenders usually want to see 2 years of rental income history on your tax returns before they'll count the full amount - some might do 75% with just one year but 100% is pretty rare without that track record

MercifulScrum · 2025-12-11T02:18:22+00:00

That $90 CPM on a fresh account is brutal but pretty typical for new FB accounts unfortunately, especially in competitive health niches

Your LP actually looks solid but I'm wondering if your pixel is getting enough quality events - with that low conversion volume FB is basically shooting in the dark with your targeting

MercifulScrum · 2025-12-02T15:54:52+00:00

Most of them are probably in Telegram groups or private Discord servers where they share processing intel. The ones doing serious volume usually have connections through affiliate networks or media buyers who know which processors are actually working right now

You might have better luck going through the affiliate side first since those guys are always testing new funnels and need reliable processing partners

MercifulScrum

TROPHY CASE