@Jonathan Small - it  seems like you have a great situation with your current set up.

Dont fall into the $/sf trap or start thinking "$50k SHOULD be able to update a small house".

I hate to say it but it's starting to feel a bit like 2007, with sub2 being the new subprime mortgage...It's too small of a percentage of loans for that to be where the bottom falls out.

Have a few arms due in about 5 years..those I will finance to fixed rate as rates lower. 

I have a small wholesaling business that operates in King, Pierce, and Thurston counties.

High 6s to mid 7s is more realistic for the most common deals (70%+ LTV).Also, the FFR doesnt really directly impact mortgage rates.

2 partners and I are looking to purchase a small, 13-unit office building in a bustling local town in northern NJ.My question is simple - Am I foolish for buying office space right now?

These small wins add up when you’re trying to rebuild.🔹 Partnering with Trusted Local Experts – Engaging experienced and reliable builders, architects, contractors, and surveyors is essential for a safe, efficient, and successful rebuilding process.Recovery isn’t just about getting back to where you were—it’s about creating something better.

Staying as liquid as possible might also help you handle CapEx, taxes, small repairs, and so on.Let me know if you have any questions—I’d love to help in any way I can!

My humble advice to anyone attempting to do creative finance is:Creative finance is for experienced investors who have access to capital if anything goes wrong.Learn the lawsDon't use a contract "off the internet", laws vary by state and are also regulated on a federal levelLearn the financing techniques correctlyDon’t skip parts of the processDon’t ever do a “kitchen table” closingUse the proper deedAn attorney can help you with the legal work, but the rest you are on your ownYour guru will not bail you out“Investing” in someone else’s deal by providing a small 2nd loan so the “investor” can pay for “cash to the seller” and for “closing costs” so he can do the deal is a very bad planKnow what problems can ariseLearn the responses and solutions to problems before they are neededKnow everything there is to know about Title and what that meansKnow who a "protected class" individual isLearn the "back doors"Learn human natureUnderstand timelinesUnderstand regulation enforcement (some of these "mistakes" have a 10 year statue of limitations ( they can charge you 10 years AFTER you do the transaction) and carry hefty fines and possible imprisonmentThe court doesn't accept "I didn't know" for an answer"Know that the source of the lead plays a serious role in some states and federallyKnow how much of a "profit" pushes the boundaries to invite an investigationYou can be sued by the seller if you don’t do things correctlyYou are automatically at fault if an investigator or attorney or regulator gets involved.