What is interesting to me is all the owner/operators I know and/or know of that were founded in the 90's, have an almost allergic reaction to interest rate exposure.  

I told the rep (who honestly didn’t look old enough to shave) that we won’t lend on a property if the purchase price + repair is more than 75% of the ARV.

Memorial is already the cream of the crop public high school. 

Builders got CREAMED.

If the Fed does what is expected your indexed rates should start to decrease on these productsI always prefer local over Mega especially if you need financing in the future a relationship is more  valuable than shaving a couple bps @Kyle Kline

I am considering doing a light cream of some kind for ceilings walls baseboards etc.

I think we can all agree, we're not going to see the double digit appreciation we saw in the early 2020's. Having

You will wanna shave your head bald.Do some googling, most of those home test kits are a scam. 

There was a short period of time where nearly everybody was a winner but the cream has risen to the top and the rest have spoiled. 

Or like we had a cream we had to rub in our cat's ear for heart failure that we would get from a compounding pharmacy.