They already lost some major players due to the state capping rates https://www.foxbusiness.com/lifestyle/california-insurance-c... will all insurance companies stop coverage, raise rates or reduce what they cover?

@Justin FondrenIf your credit score is in the 700–730 range, you're in a great position to secure favorable loan terms.

Quote from @Kaushik Sarkar: I’m exploring strategies to scale my real estate portfolio given the current mortgage rate Not sure much makes sense at 11%...Ouch....tough enough at 7.5%   Might have to put more than 20% down to finance....maybe 30% in North Texas.   

Hi Jerrell,  The best option for trying to get a HELOC on a property would be to check with local credit unions. 

Quote from @Tyler Kesling: Thanks for the insight @Randall Alan on how current owners and markets might react to the ease on rates.

. - I will ding their credit such that all credit cards and other debt will cost them more.- I will keep their security deposit for funds owed.- I will do my best to garnish future wages until their debt to me is paid in full.This has worked 100% time so far.  

It was a personal referral, received a credit at closing for renovations as well How did you finance this deal?

Bank Credit Line How did you add value to the deal?

Cap rates:  Cap rates have been expanding, but sellers think they will tighten. 

And it's very pertinent to today's environment because it doesn't look like interest rates will be coming down much, if at all this year.