I had a huge opportunity fund earning nothing and my rates were above 6% and/or commercial loans that were callable, adjustable and bothering me every year for my financials.

You'll see a hike in rate going from FHA to conventional in general (especially if your plan is to pull some of that equity), but you're also going from owner occupied to investment (if you plan on moving) which is another layer of pricing adjustments.

It automatically puts you upside down with them. 

Like others have mentioned, there’s appreciation, depreciation, leverage, and tax benefits that produce a compelling risk adjusted return. 

Supply and demand doesn't automatically dictate what the $$$$ end up as.11 - What does this really mean? 

Here’s how it works:Population Decline or Stagnation: If the population is static or shrinking, the current housing supply meets demand, and property prices decline (in inflation-adjusted dollars).

Clients have access to our Portal where they can transparently see documents requested, and where the file is in the ProcessBlue Gate Capital Lending Parameters:Credit: 620+ Experience: All Levels, 1st Times, Beginner Ok Loan Sizes: $50,000 - $50,000,0000Fix & Flip: 90% Max Purchase Leverage, 100% Rehab Fund, Max 75%ARLTV - Rates Starting at 9.98% New Construction: 85% Max LTC, up to 75% Refi on Approved PlansDSCR Loans: As Low as .80DSCR, Leverage as High as 80% DSCR Rates: Starting at 6.98****           *** Base Rate, before pricing Adjustments: Experience, Credit, DSCR, Requested Leverage, Property TypePurchase / Refi AirBnb - Vacation Rental Investment Property - YES !

Here's the thing about ALE and similar agencies: they can be a goldmine, but you need to adjust your approach to meet their demand sweet spot.

I’m curious, have you found any specific tweaks or adjustments in Yardi that have been especially useful for presenting your T-12s to bankers or buyers?

Example I think an S&P index funds are a bad “risk adjusted” investment.