Hi All, I'm in need or a reliable tool to use when underwriting short term fix & flip loans.

NOGuidance line Terms as least for us in the 2000s were I had 6 different bank guidance  lines.1. advance 80% of loan we needed 20% of our own cash.2. one year term  1 point at each renewal.3.

Interest rates are going to have to come down because there's no way the federal government can afford long-term interest payments at these higher levels, and other countries are going to buy our debt even if their return sucks because there's no realistic viable alternative.

the majority of even my national users are looking to keep cash in reserve and as such are looking to landlords to finance that TIA as additional rent at a return premium and then that extra rent bakes off in whatever term is negotiated. 

That’s when I transitioned to multifamily properties—where owning multiple units under one roof maximized cash flow and long-term returns.To support my growing portfolio of fix-and-flips, wholesale deals, and rentals, I started a construction company.

I think 1) 10 years that includes recovery from GFC and the Covid pandemic is not a long enough duration2) I think for those 10 years, 100% is not that special3) I think many Midwest markets did not experience the appreciation you depict.There are Midwest markets that have pretty good long term appreciation but there are also many Midwest markets that have appreciation that has not historically kept up with inflation.  

I'm thinking long term rentals will be a good retirement plan.

I submitted an application etc but I am going to finish the rehab to get better terms before resubmitting.The back story is that I am about 90% done rehabbing a home for a rental. 

Typically, VA interest rates are better than other loan options of similar terms.

While you can start with a written agreement, a professional document will help protect both of you, particularly in terms of ownership, responsibilities, and profit-sharing.