As the CFO of a regional developer, I’m all about creative solutions in real estate, and your focus on building housing in a tight market like West Boise really resonates.That first 17-unit project with your friends and dad as the lead investor?

But, insurance costs are likely to rise, making getting mortgages for most people even harder to get.What is likely to happen is more creative financing going forward, private lending to increase and smaller houses being built in the future. 

However, most creative investors won't agree to these terms. 

It's still possible to BRRRR now, but the deal has to be muuuccchhh better and those are just much harder to find.People are still making it work in real estate though, primarily by getting more creative and often needing to add even more value to make the numbers work.

Age doesn’t limit you a small mind and lack of creativity does.

If you don't have the extra cash, can you get creative with a private lender or partner stacked on bank debt? 

In real estate investing, financing is as important as finding the right property. One powerful tool that can help investors secure better loan terms is asset utilization—especially when the DSCR (Debt-Service Coverag...

Sellers who were holding out are starting to adjust, especially for cash or creative terms. 

Do another heloc if anything, sell your primary, OR find creative ways to cashflow even more from this property so that way you can subsidize your interest payments for your primary home.

Most my clients do conventional and some creative options for a bit extra financing if needed, saves a lot on fees/financing costs this way.