Based on what you told us, I dont' think Reunion would be a great fit.

We’re based in Indianapolis, and during the winter months, we transition some of our STRs to MTRs to try and keep up occupancy rates.

In working on construction loan financing, the lender informed me I'll need to unencumber that portion of the property (makes sense) before closing on the construction loan.I understand there to be two methods generally speaking: refinancing my mortgage and removing that portion of the property in the process OR attaining a partial release from the lender to remove that land.I *strongly* want to avoid refinancing as I have an amazing rate, but partial releases seem complex and also require a survey.

Brian Davis: @Eric LoweThere's a company called Rental Property Refund that does cost segregation studies virtually, based on self-reported data from you.

Any competitive DSCR program is going to be in the 90-day seasoning range for allowing a refinance based on the newly appraised value.Your 9-month seasoning should not be an issue, barring an extremely unique situation (like inheriting a property or having it gifted to you).------------------------------------• 0-6 Months (Delayed Purchase, no Rehab completed) - up to 80% of purchase price• 6+ Months (Cash-Out Refinance, no Rehab completed) - up to 75% of appraised value• 0-3 Months (Cash-out refi, Rehab completed) - 75% of appraised value [good rates]• 3-6 Months (Cash-out refi, Rehab completed) - 75% of appraised value [best rates]

@Brett Riemensnider You can claim expenses related to your rental property, even with a homestead loan, by allocating costs based on the 75% rental usage.

Tulsa offers a fantastic combination of affordable housing, a growing job market, and a strong sense of community.

definitely pretty common among Hard Money Lenders - just have to have a strong valuation team and expertise Yeah I can't remember the last time I had to get an appraisal on a hard money loan.  

@Tom Gimer thanks for the shout out@Bryce Adams Tax assesed value is a terible way to base your bids.

I know it can depend on factors like the borrower’s credit, payment history, and loan terms, but I’m looking for general guidance or ballpark percentages based on your experience.Top Buyers/Companies:Who do you recommend as reputable buyers for these types of notes?