Offer Value Beyond PriceIn competitive or slow markets, creating value for the seller can tip the deal in your favor: Quick Closings: If you can close faster than competitors, this might persuade the seller to accept a slightly lower offer.

She’s just a good person, period, and anyone she works with will benefit from her expertise.If you’re considering investing in Cleveland or need help with an out-of-state property, do yourself a favor and contact Melissa.

She’s just a good person, period, and anyone she works with will benefit from her expertise.If you’re considering investing in Cleveland or need help with an out-of-state property, do yourself a favor and contact Melissa.

While the housing market nationwide remains neutral, Atlanta joined a growing list of large Southern metro areas that have tipped in favor of buyers.

That can play a role in aquiring favorable terms. 

In TN, the tax sale process is a lawsuit the county files in court, so there are attorneys and motions and court hearings on almost every aspect.

A hard money lender who does NOT require a "subject to" appraisal  (which is an appraisal done with your scope of work in hand, and the appraiser gives you the after repair value) is 100% NOT doing you a favor. at all.

I have also considered just getting an Investment Property loan and dealing with the less favorable rates and terms.

DSCR loans don't require personal income verification or a debt-to-income ratio, making them ideal for properties with strong cash flow, even if the current owner has credit issues.Here's how it could work:You could use a DSCR loan to refinance the hard money loan, securing more favorable terms without having to involve the seller's credit.Since the rental income easily covers the property’s debt service, you’ll be in a good position for lender approval, bypassing the conventional mortgage route.This approach could allow the owner to stay in the house, while you take over financing with a less restrictive structure.

I refinanced the construction loan into a blanket loan and operate it like a 4 unit multi-family and achieved more favorable valuations being appraised as 4 separate condo units.