I work for a portfolio lender as their point person for construction loans, and now I'm trying to grow the division.

Do they suggest how to enter the transaction accurately or enter an adjusting Journal Entry.

My husband did 90% of the work himself, only using contractors for large electrical, plumbing, and construction projects.

It may make sense to save a bit more and invest from a position of power.Keep in mind most helocs are adjustable.

Communities like Stanton, Brownsville, and even parts of Memphis will experience an uptick in property values and new construction.

I don't see any capital gains on that, just an adjusted tax basis.

For my area, looking to stay under $180k but could adjust slightly.

The investors who succeed now will be the ones who adjust their strategies to current conditions rather than relying on what worked during the last bull market.

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).

for all the responses, they have been very constructive.