Generally markets where cash flow is strong tend to not be rapidly appreciating markets, and vice versa is also true. 

@Benjamin J HaithcoatI’d recommend you check out The Loan Officer Podcast, specifically Episode 141 titled “Credit, Credit Scores, Collections, and More”.The host interviews Mark Teta, who has served as the Regional Vice President of Certified Credit Reporting for the past 20+ years.He provides some GREAT insight on credit scores, credit reporting, and building credit, and he ties it in specifically with the mortgage industry and qualifying for mortgages.

You can't sell a horse farm to a preper or vice versa.

I had omitted that part of my post at the risk of sounding like "captain obvious", but my thought is that unless there is something that I am missing, when the market cools/corrects from this frenzy, and/or vacancy rates increase, people who overbought will be hemorrhaging cash, with such little (or no) cashflow to begin with. 

In my market the amount of cash needed to build an ADU or put 25% down on a new property is the same so if there’s nothing to buy, I build and vice versa.

Or vice versa. 

In essence, the bottom line would then be choosing between the risk that inflation rises faster than re fi rates and vice versa…or that they rise at equal rates…does that sound right? 

I would love to see if I can help in anyway shape or form and your endeavors and vice versa.

Cameron, first thing to know is bad tenants are not just bad in St Cloud they are HORRIFIC so no, NEVER risk it with a dumpster fire of an applicant and "captain 450 fico" is exactly that, a dumpster-fire of an applicant!

Unheard of - Valero Title, Inc. mistakenly applied payoff funding for one of my refinanced property to another property.It seems that they are trying to fix the problem and I understand they have to work with the old lender but a month has passed and still no one can tell me when funds & lien will be corrected.I have personally spent 30hours+ at least so far to follow up on this issue and has got company's president/vice president involved but looks like it's still not going to be resolved soon.This company charges less than others but it's not worth it!