What are your thoughts on the market now, post-covid and with rentals/prices at a significantly reduce price from last year?

I haven't heard of any, but met with a few people in the twin cities last year.

(which has gotten way, way harder over the last few years.)

They have been historically reliable over the last few years but I am hearing some rumblings of reduced leverage, slight increase to rate, or some kind of minor tweak to DSCR lending with some programs.Happy to jump on a call if you have any questions or concerns.Good luck!

Lastly, focus on high-yield markets or value-add properties to maximize cash flow and long-term growth.

Quote from @Tom Server: I’m looking for advice on the best way to access about $100k to pay off my 401k loan, credit card debt, and cover some rehab costs.Here the information-  I purchased 2 properties last year, 1 is a rental property that i had for about 8 months, the balance of the mortage is 170k, worth around 300k .

Lastly funding developer who has 3 subdivisions going in WA DC market. these are big time deals and with our funds for the soft costs  500 k to 1 mil on each project my client is going to make  sit down  but probably over 10 million net  life changing money and well we will do good too !!

I don't remember that legal argument arising in the last couple of cases I was in, so it just may not have been addressed.   

**************************************************************************Insurance premiums of American homeowners rose last year, with rates increasing by more than 20 percent in six states, according to a recent report from S&P Global.In 2024, insurers raised rates by 10.4 percent as of Dec. 27, which followed a 12.7 percent hike in the previous year, according to the Jan. 21 report from the company.In total, 33 states saw premiums climb by double digits last year, with the largest spike seen in Nebraska at 22.7 percent.

Everything ,all areas have doubled, tripled quadrupled or more even parts of EAST Cleveland, over the last 10 years on top of the 20-25% net caps All the best