Thank you Mike - we've certainly been a bit conservative lately on the bridge front, which has served us well as a lot of competitors have stretched and gotten into trouble, planning on cautiously but smartly expanding and improving on the bridge front soon

Many will be well educated on their housing options guided by their brands, teams and universities, and are well capitalized and qualified on a short term 3-6-12 month basis, and I actually had a client purchase a newer townhome in Tallahassee for lease to a football player at FSU..Keep in mind the top earning NIL athletes stretch across multiple men's and woman's sports. 

Just a curious questions Matt, why stretch it? 

Tell the truth, because if they are trying to purchase a home and a verification of rent is from a private party we'll ask for supporting documentation from the borrower anyways, as we know landlords may stretch the truth. 

I live outside the USA so that my money stretches further, I have better food, better lifestyle and I am out of the rat race in the USA.

Same vein for "Social Security Records' initial post too - I would move to another lender - DSCR Loans are standardized enough between lenders (probably around ~90%) so at best these are mild stretched truths but in my mind do a lot of damage to the industry and investors/borrowers because it creates confusion and uncertainty 

Some thoughts on that for me are that the lowest dollar spent that can be stretched further in rentals is the best.

One pitfall can be using Hard / Private Money to stretch into larger deals.

I did consider a HELOC but felt it may stretch me to an uncomfortable financial position, all things considered.

Challenge and Stretch: Great leaders challenge their teams with tasks that stretch their capabilities, allowing for growth and the development of new skills.6.