For the top tier area like Palo Alto where cap rate is 4.0%, LTV can only be limited to 40%~45%.

However, our current hard money lender only funds one loan at a time, limiting our ability to take on multiple deals simultaneously. 

However, our current hard money lender only funds one loan at a time, limiting our ability to take on multiple deals simultaneously.

Correct, you as the "lender" have to control the contract as the buyer.  

Faced with these burdens, many owners choose to limit their renovations to cosmetic work or, worse, proceed without permits to avoid triggering the requirement.This raises a crucial question: which is safer—a fully gutted and renovated building with modern electrical and heating systems, rebuilt to 2025 code but without sprinklers, or a building where the original, outdated wiring and heating systems remain in place because owners chose to avoid triggering costly sprinkler requirements?

If you buy in a city with limited appreciation, every investment dollar must come from your savings.

Some in our control, others not so much.

That way, her limited funds can go toward her own living expenses. 

Real Estate, Wellness, and Community ImpactAs I move into 2025, I’m focused on deepening my faith and prioritizing wellness, mental health, self-control, and discipline.

Business entities are US state law creations: LP is a limited partnership.