Hi James,Yes, there are still hard money lenders that offer gap loans with straightforward underwriting and competitive origination fees, but they are becoming harder to find.

Newer building has seen huge increases in insurance in the past years because of the collapse of the Champlain Towers and hurricanes, but that is over and there is more competition now in the market: I have already seen the cost of insurance going down -8% in the negotiation for 2025 in one building where I sit in the HOA. 

This is particularly important in competitive markets where speed can be a key factor.Risk Management: While there is certainly risk with any form of financing, careful management and choosing the right lender can mitigate these risks.

I assume you are referring to 3.5% and 5% down,Well the 96.5% LTV FHA Product is great, it typically offers more competitive rates than the 95% LTV Conventional product.However there are stricter requirements on the property for an FHA product.Speak with a broker who knows what they are doing and they will point you in the right direction.Neither of these products will qualify for 5+ Units however, stick to 1-4 units.

We work with investors globally.

That means that a building doesn't get built and there are less rental units available, further increasing competition.

No issues, 65-70% of LTV without any US credit on DSCR Programs.If he has significant down payment, pricing will be extremely competitive.

It is true that when you buy in a competitive market you won’t get to perform as much due diligence, and you will need to rely on experience, wisdom, and honed processes.

I have served across the U.S. and overseas, developing expertise in strategic mission planning, operational leadership, crisis management and strengthening global partnerships.I am now eager to meet and collab orate with business professionals to start building my real estate portfolio.

The fact that there's a ton of competition and similar products in the same location actually puts downward pressure on rates!