For your scenario, a DSCR loan could work well if the property’s projected rental income can cover debt payments, but most DSCR lenders don't include renovation costs directly.

@Joseph Sakic the "pain" is directly related to:1) How much your current PMC cooperates2) What paperwork you already have or can get to send to the new PMC

If you’re looking for ways to make the numbers work, sometimes that means evaluating different markets, financing options, or property management strategies that help mitigate risks like vacancies and maintenance surprises.You’re not alone in feeling like 2025 could go in multiple directions, but one thing remains true—real estate continues to be one of the strongest vehicles for long-term wealth when approached the right way.

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I'm great at putting experience packages together for underwriting, and I know exactly what they look for when there's no direct construction experience verifiable by title.

Most take near a year in southern Ca, but you hear of exceptions in both directions on that timeline.What some developers are doing here is leveraging the affordability issue and getting permission to build additional ADUs by designating some as affordable or semi affordable units.  

I've often found that just going right to the expert in the space is going to be the most direct source of info.

These increases are not direct costs like buying toasters from China, but rather input costs.

I found this property through my network of local real estate professionals and direct outreach.

I have been able to find out a lot of information from them, some in line with what I've been told elsewhere and some directly contrary.