Also, with new construction you will already be building to new codes by default and not spending time and money deciding what needs to be updated, what doesn't or what should be but isn't required.I have a unique skill set having worked on design in new construction as well as having managed literally hundreds of rehabs on investment properties when working for a national company.

@Will Barnard hit the highlights. 

totally under the national radar and the BP radar for sure.  

That coupled with an ever speedy growth of our national debt at 20 Trillion now and growing fast, what is the likelihood that the tax brackets at the time of your retirement will be higher then now?

Here ya go.Alliance Bank TrustGastonia, NCAquesta BankCornelius, NCBank of CommerceCharlotte, NCBank of GraniteGranite Falls, NCBank of the CarolinasNCBank of YorkYork, SCCarolina Trust BankLincolnton, NCCitizens South Banking CorpGastonia, NCClover Community BankClover, SCCommunity Bank of RowanSalisbury, NCCommunityOne Bank (FNB United Corp)Asheboro, NCF&M Financial Corp.Granite Quarry, NCFidelity BankMultiple LocationsFirst BankcorpMultiple LocationsFirst Federal Savings Bank of LincolntonMultiple LocationsFirst National Bank of ShelbyShelby, NCFirst Trust BankCharlotte, NCHomeTrust BankNCNew Dominion BankCharlotte, NCPark Sterling BankNCPeoples Bancorp of N.C.Newton, NCSouth State Corp.Multiple LocationsSouth Street FinancialAlbemarle, NCUwharrie Capital Corp.Albemarle, NCYadkin Valley Financial CorpNCLink to the credit unions. https://www.yellowpages.com/charlotte-nc/credit-un...

I've posted this in the "Real Estate Success Stories" forum but perhaps its would fit better in the "Real Estate Life Lessons Forum".There is a ton of talk in the media but also on these forums of the precariousness of our national and global financial structure and the values of assets as currently traded.  

However, I am curious if a national lender would be able to get me a better rate LTV Etc?

The National Association of REALTORS® Chief Economist Lawrence Yun predicts rates will settle around 5.7% by the end of 2023.

Another post recommended National Real Estate Insurance Group. 

Try this shortened version of the article: MULTIFAMILY RENTS END YEAR WITH ANOTHER DECLINEHOME INDUSTRY NEWSBy RISMedia Staff January 12, 2024 Reading Time: 1 min readAccording to the latest Yardi® Matrix National Multifamily Report, 2023 ended without another upswing in the multifamily rental market; in fact, December was the fifth month of declines in a row.The average U.S. asking rent was $1,709 in December (a $4 decline), with year-over-year growth at 0.3%.