I'm sure it's a great time to invest there, in fact I'll get 22% on my money if I go with this syndication!

My wife and I are getting into lending and would love to learn more.

So much in lending comes down to mindset and how problems and scenarios are approached and solved.

Monetary inflation:The Federal Reserve (Fed) can increase the money supply by changing the target fed funds rate, buying Treasury securities or MBS (Mtg backed securities) to lower rates. increasing the money supply, which banks can then lend to consumers and businesses.Debt monetization.

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The CRE lending market is expected to recover gradually, with opportunities emerging as interest rates stabilize and maturing loans drive new borrowing activity.Some regional banks are certainly struggling while others are consolidating in bid to become national powerhouses.Revised CRE Lending Projections2024: 26% growth to $539 billion (down from previous 34% growth forecast)2025: 23% growth to $665 billion (slightly lowered from 24%)Multifamily Sector Adjustments2023: $246 billion (49% drop from 2022)2024: 21% growth to $297 billion2025: 31% growth to $390 billionMarket FactorsRecent moderation in interest ratesSignificant number of loans maturing soonProperty owners hesitant, hoping for further rate decreasesUncertainty persists in the market, particularly regarding interest rates and property owner behavior.

US Prime Rate is used by consumers – it is the rate at which banks lend to their best customers."

Typically, with apartment buildings, you'd need to go the syndication route and raise capital, which can be challenging without prior experience.

@Margot WeatherfordIf I am looking to purchase this deal, I want to look at in place NOI, because that's what I am going to be able to lend on.I do not want to pay for potential.

They will work with the buyer to re-set the loan and terms because when they foreclose and bid the property in for their loan amount which they mostly do around here, they have to recognize the loss as a non performing loan which has a multiplier effect on their lending base.