Conventional non-owner occupied loan. 20% down.What was the outcome?

A couple of thoughts that might help.I recast a loan at a point where I had paid enough extra to allow recast (I think it was $5k over).

I'll do that when I meet my investments are producing my final goal of $X.

Apologies - I hadn't realized you had cross-shopped between AgSouth and Vystar for the same loan prod. 

The number of homes for sale in the three county area around Sacramento finally had a decrease in November 2024.

pretty small hurdle to have a good win as a private lender just get paid as agreed.now equity participation loans those can spin the needle pretty well ..

Hi John, feel free to reach out if you are looking for some additional options on your DSCR loan!

Questions Regarding Property Registration Restrictions in a Joint Venture Model:Are there any restrictions when attempting to change the property registration with the county (through the title company) if the property has an active Hard Money Loan or DSCR Loan?

Regarding the issue of rising interest rates, ensure that the DSCR remains robust under higher rates and lean towards fixed-rate loans.

I personally dont do any of that.. every market / or most will have an active fix and flip sector or buy and hold sector the important thing to me is the operator full stop.. great operator will do well in any market and all the national data simply is noise at least at my level. ( loaning our own money and JV deals with our own money)  we dont broker or anything like that.