Here are the key themes I'm seeing get set up for 2025: Interest Rates Will be Holding Steady or going up: The yield curve (finally) uninverted this week, when the Fed signalled they will be more cautious about raising rates.

Unlike refinancing, which involves taking out a new loan, recasting keeps your existing loan terms—including your interest rate and loan duration—intact.

@Enrique Toledo  If the seller is firm at 10% down, you can always get a personal loan for that 10%. 

I recommend that you find a trusted or recommended Mortgage Loan Originator (MLO), who can give you options for property-based loans (mostly investment loans) and they don't use your taxes but the P&L of the property.

Hey @Mike Levene, I'd recommend considering a Margin Loan against your stock portfolio.

For our ADU (garage conversion), I am handling the design/engineering and then selecting a final contractor once its permitted and ready to go. 

For comparison, a Navy Federal FCU personal loan will be in the 15s%

There are DSCR lenders will allow only a single 20 or 25% owner of an LLC to sign a Personal Guarantee (other owners are not on the loan, or liable for the loan).

Is this using a 20% down, conventional or DSCR loan, although I would think a first time investor would use a conventional loan.

We bought it for $90k they said it was worth $90k after $30k in repairs, then a second appraisal said $120k so we could get out of the Hard Money loan by getting a personal loan and maxing out our LOC again.