I would say private lending.

None of this never happened.For a company with a 12-year lending history, Norada Capital Management has only one $4,000,000 Reg D filing from 2020, which appears inadequate considering a 2012 start date and almost four years since the last filing.Santarelli also claims in the same YouTube video that Norada Capital Management has been making loans since 2012 with no default history, re-lending money received from investors and maintaining a perfect record over 12 years.

Feel free to reach out, my team has experience lending as well

Many lenders also impose additional requirements such as owner-occupancy, and/or that one lender make all of the institutional loans in the building.- Valuation: The variety of financing products available as individual tenant in common loans remains limited, and the terms are generally less favorable than either apartment building loans or condominium loans.

We have and do lend in Birmingham and have seen lots of folks buy 45k houses put in 30k and expect them to be worth 120k-130k but they are actually worth 80-85k. 

Lending as a whole is doing well, but there is definitely more risk in the lending ecosystem right now as borrowers stretch their numbers and get aggressive on margins to keep turning deals.

Hard money will lend to you on a purchase of a home with a rehab escrow amount (not sure what a rehab credit is).

I am on the lending side of things and if you ever want to chat shop about financing, I am always happy to do so. 

Then what happens is the lender reports your payment history to the credit bureaus and each time hereafter if you ask for another loan and the lender pulls your credit then they are going to see your payment history and whether you made your loan payments or not which will likely influence whether or not they lend you money. 

Cash-flowing properties will be key to navigating potential volatility in both lending and pricing trends.What to Watch Moving ForwardWhile markets originally priced in multiple Fed rate cuts in 2024, the latest economic data has forced expectations to shift.