Elephant in the room. Market Pricing, Interest Rates, Buying and selling?

[Jamie Parker]

With Rates being what they are at this phase of (dare I say it) a recession or slow down or correction, or whatever help confidence;

SVB, FIRST REPUBLIC BANK, SIGNATURE BANK, AND SILVERGATE

Should avoiding the banks for a quarter even be a thought in my planning?

Though it may seem kinda disconnected, In my opinion the effect on interest rates is something to watch out for. 

I'm not a finance guy, so im definitely not speculating because i wouldn't know where to start. Only looking to exercise some caution. positioning at this point could leave one poise for a big break out . In my market prices are falling steadily, over that past 6 months. Things are still moving, (I just save a bunch a properties on zillow and see what happens.) Im sure realtors and lenders have better data than that. 

I have come up with a strategy that involves seller financing to avoid the banks. However, on a final product it doesn't matter as much if lending becomes any more expensive. BTR wasnt part of the plan however cash out refi may not look as much of a turn either depending on investment property lending moving forward. 

Here my thoughts ultimately, for a single family full gut rehab on a 6-8 time table (environmental court). I know that's a long time. BUt that's the time i want to have a portfolio to roll 3-5 properties into to close out the year. 

How could the FEDs handling of recent events affect a banks willingness to lend? 

Should my numbers be even more conservative? 

On larger purchases Multifamily, assume the loan vs refinance or starting new debt?

Carrying paper on acquisition? 

Putting in more cash 25-40% if can raise it in private equity? 

Just looking for some solutions because Ive gotten the ball rolling and this could be one of those times other investors talk about e.i. "in 09 i was picking up property dirt cheap", or as my dad says " in '85 i would have invested in nike" kinda situations, just a thought.. 

any insight, comments or thoughts?