When choosing a hard money lender, investors typically prioritize a few key factors.

What factors influence your decision—profit margins, market demand, or investment strategy?

@Wendy JiangBe honest and say no as mold testing is typically only done when there are visual signs of mold and has never been any signs or complaints.There are many factors outside of mold that can contribute to breathing problems.I would offer that if you wish I can order a hygienist to come to teat for toxic mold - but if it’s found to be negative the costs for the testing would be at your expense.

I would do the math even to see if the amount of money you are losing every month is great than the appreciation factor.

The ones with the overall best deals, with all factors considered.Thank you,Bryan

Good morning all, I'm looking to invest in real estate using Section 8 programsRent covered seems to be great but most of the time, I see that people are not renting for 100% of the voucher is there any reason? 

Good morning, I currently have a duplex property that I am in the process of switching to Section 8 Tennats.I currently have two long term tenants that are month to month, currently collecting $1000/m each.

I understand these numbers can vary depending on financing, market conditions, and other factors, so I’d appreciate any insights based on different scenarios:All-Cash Deal: If this were an all-cash transaction, what multiples or IRR would you consider acceptable or ideal?

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Investors should consider factors like market data, rental rates, infrastructure, crime rates, and school quality when assessing potential investments.