Most of our investments we look at IRR (time value of money) to determine which investment is a good fit for us at this time - which factors in returns, risk and time of investment - is it a short term investment we want to get appreciation play or long term fixed income investment.

@David RobertsonFor what it's worth I've been playing around with your beta version of Flipper Force and would like to say; it has the potential to be a game changer for the flipping business.

Slightly less bookings, way less lead times, prices have dropped.January 2025 is promising relative to how 2024 has played out. 

They tend to get people to attend their seminars that have no understanding of RE Investing and think that they have to "pay to play".  

Commercial lenders are not playing by the same set of rules as conventional lenders.   

If they don't you personal financial situation plays a bigger part in securing a loan. 

If you do have to lawyer up, make it clear you’re playing the long game.

I've been playing with amortization calculators and have seen you can pay off 1/3 of the mortgage and reduce 2/3 of the duration.

I have 2 factors that I know play into it, but there's always more beneath the surface.

How certain of the appreciation are you would also play into that question.Run some scenarios on what you could do with the extra cash vs what you stand to gain from the appreciation play and decide based on that and your goals.