I only charge markup on maintenance if it's a larger project that requires more coordination, supervision of the work, and inspection after completion.

I got a deal on labor as I know the contractor personally and helped out a bit with the project.

While some lenders may offer it, these scenarios often require near-perfect alignment of high DSCR ratios (1.2x+), excellent credit, and property cash flow projections that are difficult to meet with this leverage.

The fact that you’re leveraging your background in property management and deal analysis is huge, especially in a city where margins can be tight, but the upside is massive. 

What’s your vision for your next property - do you see yourself leaning towards value-add projects, or are you focusing more on turnkey options?

I have a question and would really appreciate your input.I’ve done a couple of fix-and-flip projects in the past using hard money lenders, but I’ve noticed that their fees and interest rates significantly cut into my profits.

The demand for quality housing continues to grow as we are seeing a surge in population growth and its projected to continue.

As a family-run business we’re curious—what factors do lenders prioritize most when evaluating projects like ours?

I am also a project manager and a architectural designer for a real estate developer in NYC. 

I am a current college student and gained interest in real estate as I am working on a project focused on finding ways to expand opportunities for real estate investors.