During this time, tenant complained of cross contamination, claims got nail in foot while in kitchen - all the same time accessing these areas to take pictures etc.

I know of a lender around 7.3%, but curious what everyone else is seeing.Keep in mind, we're talking DSCR, not conventional.Local commercial banks are usually most competitive for this space.

I still wouldn't give people an all-access closet. 

Keeping your cash flow separate is smart, but you might as well make that money work for you.I’d look into a high-yield savings account or money market account—at least you’ll earn some interest while keeping it accessible.

I'll work on a old house any day over a new one, much easier to access everything, at least in my cases.

If it is a high end housing product you may have to use a designer because they have access to some material/finish suppliers that are otherwise unavailable but that tends to only be for the highest end housing deliveries.

One of the biggest mistakes I see investors making is they forget to address things like HVAC, siding, etc when they have access to a hard money loan.

@Blake McWilliams This is a most challenging problem with both residential and commercial investors.

The unicorn bank might be a local commercial/credit union.

But also with low debt or free and clear property that they can easily access any time in the future with a cash out refinance.