It illustrates the difficulty that asset managers and decision makers at banks face when they're trying to liquidate a couple of hundred assets, each with its own market which requires a different course of action to maximize profits, decrease holding times, or whatever goals are most important.

I've included an example below to help illustrate this.

Until I went looking for data to help me illustrate my point, I did not realize that gentrification has already hit this neighborhood like a cudgel.

This graph is a good illustration of that.

The longer the term, the less of an impact on the rate.I've included an example below to help illustrate this.

If they will do a loan with less than 1, the pricing takes a hit.I've included an example below to help illustrate this.

@Jay Hurst can you please illustrate with an example with numbers/$$$ ?

If they will do a loan with less than 1, the pricing takes a hit.I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

Caleb,My opinion is that some people have the ability to easily start a conversation with someone over the phone and have a (silver tongue) tact to but them at ease to allow for an open discussion.Others (myself) have the ability through body language, documentation, and resources (buyers) to illustrate to someone how I can help them and put them at ease for an open discussion.So you should know if you are best negotiating over the phone or by meeting in person with someone who needs you help and sell your plan to solve their problem through a painful time.

So I gave a basic example that illustrated that.