I previously used Proper but switched due to their high rates, lack of portfolio coverage, and demanding annual underwriting review processes.

And personally I love buying property during the winter months, sellers get desperate and I’ve found there to be less competition from other buyers.

Hello BiggerPockets Community,I’m currently in the process of expanding my real estate portfolio and am looking to establish relationships with hard money lenders who can offer the most competitive and lowest rates available in the market.I am a business owner with $1.5 million in verifiable funds.

The lack of communication and transparency didn't feel right to me.

Sellers, focus on competitive pricing and small upgrades to help your property stand out.

Athas Capital used to be the king of ALRs before COVID, but since they have closed up shop, I've not seen any lender offer very competitive terms on ALRs. 

Waco’s housing market is heating up—what strategies are you using to find undervalued properties before they hit the open market?

I grew my list to over 500 buyers, which drastically increased competition for my deals and nearly doubled my assignment fees.

If you're starting out with zero credit, consider building your portfolio through strategies like wholesaling or partnering with investors who have the credit and capital you might lack.

Days on market is nearly the same as this time in 2023, showing a reliably strong seller's market, yet not as competitive and crazy as COVID-era.