They appear to have run into liquidity and cash flow issues currently and worst of all have gone dark and not shared any of the requested financial information.

Our commercial loans are also with them so it would be great if all of our loans were in one place, but in order to refinance all of our loans with them now I’m guessing we’d sacrifice a few points on some of them and have higher payments impacting cash flow not to mention a lot more interest paid over the term of the loan which makes refinancing a non-starter unfortunately.

Even with the reduced rates, my cash flow is poor for my equity position (i would still be cash flow negative at today’s rates).  

Others when I first got on BP years ago would say if they could just get to 5k a month in NET cash flow they could retire..

In addition lower rents will decrease the value of a property, not necessarily its appraised value, because no buyer will desire to pay retail for properties with reduced cash flow.

Taree, in regional NSW (@ 4 hrs north of Sydney) is a pretty good area for investors interested in positive cash flow. 

@Jeremy H Barton I would suggest taking a look at your cash flow before signing up for a HELOC on a brand new building.

Cash flow better.

U only have to be burned once when title comes back 3 days before closing ( which can be very common in abstractor  states ) only to find it title is buggered.. title companies and closing attorneis may have their process's but a good agent just lets them know this is how escrow is going to flow.. they will wine but it cost 200.00 for a title search and we dont want to spend that until we know we have a closing.

My definition of competition differs from others because no two investors have the same deal flow and/or same buy box.