The holiday season is almost here, and for many real estate investors, it brings both unique opportunities and potential challenges.

@Philip Jones we've helped our clients do over a hundred.As some of the lenders posting have pointed out, the challenges are:1) Property value and corresponding loan size2) Appraisals have much better comparables than 5 years ago, but may still be an issue.3) Property condition can be an issue via the appraisal4) Ownership seasoning - most lenders looking for 6+ months or incredible documentation for cost of improvements made.5) Most DSR lenders require professional property management.Always try a small local bank or credit union, but most will expect you to transfer your business bank accounts over to them. 

Challenges?

Next in this environment you may be challenged to get $10k rent on $1.3m property.  

What are some of the challenges an owner would have accepting this type of deal.  

I’m planning to take my broker’s exam in the near future to expand my skill set and deepen my involvement in this space.I’d be thrilled to discuss the current state of the market, challenges, and opportunities, and to exchange ideas with others.

Challenges?

@Rene Hosman want to connect with Chris and Jonathan and see if they're up for the moderator challenge? 

So this is common thought and why it is a real challenge to get debt secured by the ADU value add at higher than 50% of the addition cost. 

Challenges?