I came across some critical information today that I think is important to share with you:In the aftermath of the LA fires, it has become evident that some homeowners’ insurance claims have been denied or disputed because the property title was held in a trust, but the insurance policy was under the individual homeowner’s name.This serves as a valuable reminder to review your insurance policies and ensure that the ownership structure on your property title matches the named insured on their policy.

Plus the mortgage company probably calls the loan, and if you can't pay it off then you can lose the property.

Hey Mario, We're doing several rehab loans right now...mainly in Pinellas...on Hurricane Milton-damaged homes.

Lenders assume more risk with a higher loan-to-value, so to compensate they'll charge more in points, loan level price adjustments, etc. 

Thank you to @Owen Rosen for helping me with the insurance on this one.

Right after I closed on that one the insurance company demanded I make a couple thousand dollars of repairs.

Construction loans have a fair amount of fees involved.

Quote from @Cosmo DePinto: When applying for a DSCR loan, can you base the rent off a section 8 tenant?

@Leslie Beiai think offering equity when what you seem to need is just a loan doesn't make sense.  

I think @Brian G. and @Jaycee Greene hit it on the head: an event occurring/debt resetting.When the debt forcefully resets on some of these assets, valuations drop if the submarket cap rate has expanded and/or if the operator can not show a good t-3, t-6 etc due to economic vacancy and rising opex (insurance, r&m etc).If the operator can't inject equity to cover the difference, then trouble arises.