My market Milwaukee is still low inventory and competitive offers.10Y T-bill is flat at 4.412% this morning, so we may see mortgage rates stay flat this week too?

Mortgage lending is highly competitive, and there are many newbie loan officers that will bend over backwards to get you to pull a credit report and pay for an appraisal.

Here’s how I’d approach it:For the 9.5% Loan: Refinancing into a DSCR loan makes sense to lock in a lower fixed rate, especially if your goal is stability and better cash flow.For the 7.25% Loan: If the local bank's investment HELOC offers a competitive rate, consider it for flexibility.

It is solid to look at deals that are off-market and know that the ability to buy it at a price and either hold it or sell it will be coming with less competition on the purchase and more upside.  

You won't find them on zillow or MLS.Direct marketing, driving for dollars, probate, foreclosure, divorce, code violations, dilenquent taxes, owner in jail etc.These are ways to find way below market price deals with little to no competition. 

Pricelabs for MTR competitive intelligence.

This change has helped generate more bookings, but it comes with a trade-off: guests booking single nights on Fridays or Saturdays might prevent full weekend bookings.Lowered PricesWe’re utilizing PriceLabs for dynamic pricing and have reduced our rates to stay competitive during the off-season.Listed on Furnished FinderWe created a Furnished Finder account to target mid-term stays, which I hoped would solve our slow-season problem.

Vrbo has free price automation and analytical tools to compare the competition and see trends.

However, like any market, success depends on selecting the right neighborhoods and building a solid team on the ground.In Indianapolis, areas like Broad Ripple, Fountain Square, and Irvington have seen strong appreciation and rental demand, but they can be more competitive.

I feel the Milwaukee market is getting more competitive every year.