This continued imbalance in housing supply to household formations and population growth.Changing Demographics and PreferencesPeople are also waiting longer to start families (Source), and people are valuing more the flexibility that renting provides in the remote work and online business era as well as the sense of community apartment complexes can provide in our digital and post-pandemic world where people feel less connected to the community than before (Source).

.- Phase 2 (April 1, 2022)Applied to all remaining existing policies, transitioning them to the Risk Rating 2.0 methodology upon renewal.The new system replaced the decades-old approach to calculating flood insurance premiums, aiming to provide fairer and more accurate rates based on individual property risk.Before Risk Rating 2.0, flood insurance premiums were mainly based on whether a property was inside or outside a designated flood zone and its elevation on a map. 

Thanks, Bernice One approach is to break it down by looking at similar vacant retail spaces nearby and comparing price per square foot while factoring in potential rental income once occupied.

Typically, these groups will approach 1-3 relationship banks directly, but hire us to shop the loan to the rest of the market.

Quote from @Penny Wilkinson: I'm in a community of 10,000 and deal with this quite often.

Hello everyone, I am reaching out to the BP Community for suggestions.My Portfolio100% owner of 7 SFH PropertiesGP in about 30 SFH properties(of which I own somewhere between 25% to 50%)All but two properties are managed by a PM CompanyNet worth of the above is about $2,000,000 - $2,500,000My IssuesI have many SFH's - Which take up time(Currently spending time paying property tax and insurance, requesting quotes on insurance policies and overseeing the PM Company(approve rent increases, approve renovation projects, etc).They also take up head-space(having to remember property addresses, remembering when property taxes are due)(I have reminders/systems but something I would like to reduce)Goals1) Spend less time on Real Estate2) Free up head-space2) Make $240,000 annually from real estate(Which I think is not to hard if I can increase my net worth and can get an 8% return)Possible Solutions1) Sell all the SFH's and buy 4-Unit Properties to take advantage of conventional financing2) Sell all the SFH's and buy one large apartment complex3) Sell al the SFH's and invest in syndications4) Sell all the SFH's and purchase stock / bonds5) Continue to hold all the SFH's6) Any other suggestionsOther Considations1) Should I consider private notes?

It’s always insightful to hear how others approach raising money and evaluate those who do.

Hello Bigger pockets community! 

Any and all advice about how to best approach people or groups of interest would be much appreciated. 

Unlike seasoned investors or repeat homebuyers who understand how to move quickly, many younger buyers approach the process with caution, often leading to missed opportunities.Why Gen Z Is Struggling to Keep UpOne of the key reasons Gen Z buyers are struggling is delayed decision-making.