I’ve had experience with both traditional and private construction loans, and here’s my take:Traditional Lenders: The process can be slower with more paperwork and stringent requirements, but they usually offer lower interest rates.

With a mix of college students, medical professionals, and blue-collar workers, the rental market stays pretty steady.

Quote from @Alan David: raad has held onto my funds for over two years,I closed the account after requesting part of my money back , to help pay for a medical procedure.i was told to apply in December for a return in July.Now they simply refuse my request,their talk about customer service is all a crock.'

In my opinion, there are opportunities aplenty even though things are a lot slower here in just about every respect.What sort of investing are you looking to do @Benjamin A Ersing?

Financing provided through this program is only available for properties located in Michigan or Florida.Available Product Type: SOFR 7/6 ARM, SOFR 10/6 ARMLoan Amount: $766,550 MaximumLTV: Purchase and No Cash Out Refinance - Maximum 99%Prepayment Penalty: NoneLoan Assumption: NoneEligible Properties: 1-unit dwellings, attached and detached condominiums, PUDsEscrow: An escrow account must be established for property taxes, and flood insurance, if requiredUnderwritingNo Private Mortgage InsuranceOccupancy – Primary residencesMinimum Credit Score - 700DTI – Max 43% (UW/Mgmt exceptions up to 50% with minimum 3 documented compensating factors)Student Loans – If in deferment, no qualifying payment requiredDown payment of 1% must be borrower’s own funds, while closing costs and prepaids may be gift fundsAttached condominiums require a 10% down paymentEligible Borrowers – Protect and serve heroes are defined as employees of public or private education institutions, employees of medical and healthcare organizations, all first responders, and active or former military personnel.Servicing: Retained

Recently after some medical issues(I’m all good now) I’ve exhausted all my reserve funds and have 50k in high interest debt.

But, each has their own differences.That being said, in the neighborhoods I invest in, duplexes and quads have appreciated slower than single family properties.  

Is this indicative of a slower market, or could it be due to issues like pricing, property conditions, or tenant quality?

While the income stream is much slower, the total received is (hopefully) much greater.

How’s your experience with Realty-Medics?