I'm thinking I can get a nice purchase price if I under cut the banks by 1% and offer 15% required down as opposed to the traditional 20%.

Not the best idea to cut costs.

The process is pretty straight forward and not complicated at all.

Look at it this way - If you are doing straight private lending, lets say you are lending at 12% + 2 points.

Despite rate cuts, we aren't seeing the lending market agree with their expectations on inflation.

., the calculation of tax you'll owe is very straight forward. 

A hotter CPI report than expected; if we get another one or two of these do rates increase or do we first see no expectation of a rate cut in the rest of 2025?

For the 10 year period spanning December 2014-2024, single-family prices in Austin nearly doubled, yielding an annualized appreciation rate of ~9.4% in that period.With inflation close to its 2% target and an uptick in the labor market, The Federal Reserve may be taking a break from rate cuts.

- Do you think it’s worth challenging the appraisal with Kiavi, or should I just cut my losses and move on?

I don’t understand how this isn’t a clear-cut case.