Now those are forbidden here and code calls for 16D common or those structural hex screws you mention.

Quote from @Steven Stanimirovic: Hi Rich,The prepayment penalties you’ve encountered are quite standard with DSCR loans, as lenders often structure these penalties (commonly called "step-down prepayment penalties") to offset the risk of early loan payoff.

We all know what goes on in bathrooms and what kind of extra care they need.

You're making a fairly common mistake of designing your castle when you haven't even learned how to build a chicken coop.

Its kind of weird.

It’s clear you’ve put thought into your investment, and the challenges you’re facing are common for many first-time investors.

On the other hand, if these are in terrible areas, you introduce a different kind of risk. 

That kind of networking plus honest cash-flow analysis can open more doors than simply chasing rumored off-market listings.Interestingly, I recently saw a property here in Phoenix (ARMLS #6757476) that sold for around $450K in October 2021, then resold in December 2024 for $1.8 million.. that’s an eye-popping $1.35 million jump in just three years.

Quote from @Steve Lehman: @William VreelandAs a local Indy Investor and RE consultant I have been flowing the IHA development closely to see what kind of developments have been happening.

This is common throughout Southern ME, not just Biddo/Saco.