We have just signed the promissory contract on a place in Peniche.

Based on my research, several lenders stand out, but I’d appreciate firsthand experiences.Key Considerations:Loan Terms: Fixed rates up to 35 years, interest-only periods (e.g., 10-year interest-only options), and non-recourse structures.Competitive Rates: Recent transactions show rates ranging from 2.69% to 4.65% depending on LTV (55%–80%) and property type.Lender Specialization: Some lenders excel in specific areas:Greystone and Walker & Dunlop lead in Fannie/Freddie volume and large-scale refinancing.Arbor Realty Trust is praised for smaller-balance loans and flexibility.CREFCOA offers streamlined refinancing with 45–60 day closings and cash-out up to 80% LTV.HUD 223(f) loans provide 35-year fixed terms, ideal for stabilized properties.Questions for the Community:Have you worked with lenders like Greystone, Arbor, or Freddie Mac?

But, that is where the money is.I pick up trash at our properties. 

You won't find a deal where you live for free, but if you can live in a great neighborhood at a reduced cost of living that is a nearly risk free way to get started in real estate. 

Same with three dudes up for the weekend to snowboard. 

The very tragic LA fires have generated a lot of discussion about insurance costs.

A good real estate accountant can save you thousands of dollars by leveraging entity selection and formation, tax deductions, cost segregations, bonus depreciation and tax planning.I recommend finding an accountant specializing in real estate taxation, business taxation, financial planning and tax planning.Consider working with your accountant remotely to expand your options.I would also recommend looking for an accountant willing to work with you throughout the year.

The owners are familiar with him, can talk quotes through with him, and I don't charge a mark-up on maintenance.

If you need someone to do more than guest communication and I can guarantee things will come up, at the end you will need a PM.

My cost wont necessarily be the same or comparable as I GC my own projects and have trade skills.