For this reason, it would be prudent to not overleverage yourself in this type of environment in order to wait and see where rates do end up falling, as there is consensus in the market we are moving into a falling rate environment, the exact timing of when rates will be falling is unknown and different scenario analysis should be added to underwriting refinance periods to be sure the project is sustainable if inflation resurges and a refinance is delayed.

Based on my research, several lenders stand out, but I’d appreciate firsthand experiences.Key Considerations:Loan Terms: Fixed rates up to 35 years, interest-only periods (e.g., 10-year interest-only options), and non-recourse structures.Competitive Rates: Recent transactions show rates ranging from 2.69% to 4.65% depending on LTV (55%–80%) and property type.Lender Specialization: Some lenders excel in specific areas:Greystone and Walker & Dunlop lead in Fannie/Freddie volume and large-scale refinancing.Arbor Realty Trust is praised for smaller-balance loans and flexibility.CREFCOA offers streamlined refinancing with 45–60 day closings and cash-out up to 80% LTV.HUD 223(f) loans provide 35-year fixed terms, ideal for stabilized properties.Questions for the Community:Have you worked with lenders like Greystone, Arbor, or Freddie Mac?

I’m still in the option period, so if the numbers still don’t work, I’ll move on.  

If you can get to 10 over a 20-year period, you will change your life and look like a genius.Increase earnings, reduce expenses, save, and invest.

Quote from @Matt Pfefferlen: In a HOA foreclosure in California, does the homeowner get the excess funds after the 90 day redemption period is over or soon after the auction takes place?  

Applicants pay a one-time application fee, which is valid for 30 days, allowing them to apply to multiple properties within that period using the same fee.

To increase views, go into your listing periodically and lower the daily rate for the week or two after you have an expected vacancy, but increase the nightly rate after those two weeks so that you are still getting your target monthly rent.

I guess the risk comes with the incertitude of the period the house is being built.

This is a great look cost preventative maintenance thing It also allows you to "inspect" your property periodically

Flipping a house typically involves holding the property for a short period, which classifies the gain as ordinary income rather than a capital gain.