Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

Higher inflation equals higher interest rates. 

Owner-occupied commercial properties generally get better interest rates and terms when compared to pure investment properties. 

Interest rate- prime plus? 

.- Low Interest Rates: Competitive interest rates make property ownership accessible, especially for those with stable income like service members.- Military Presence: With U.S. military bases across Germany, local banks are accustomed to assisting service members with financing.How to Qualify1.

At any rate it is possible, but depending on your appraisal it could be a gamble

@Ed Lopez our thoughts:1) $65 is average hourly rate for handyman in Metro Detroit.

As you go on your real estate journeySomething I would recommend for you is this website. https://www.areavibes.com/Use this rating and classification system I have created over time to get an idea of the "Class" for the area - A class B class & so onHere is my rating & classification for each livability score.80 and above A+78/79 A76/77 A-74/75 B+72/73 B70/71 B-68/69 C+66/67 C64/65 C-60/63 D59 and below F

If you're goal is a long term hold, you're almost certainly going to do well even with a market rate deal in any of those states.

Market Fluctuations – What if appreciation stalls, or rates rise, impacting your refi strategy?