Hard Money finance, with about $5k of my own funds going into some over-budget costs.

Hi Kam 👋 There’s so many ways to make money in real estate and they all have their pros and cons.

My brother had access to the other $160K but ultimately purchased a 4-plex two months later using his own money instead.Currently, its written that if my brother doesn't use the funds then he gets 160k value from the estate extra, as I used my half already but then my dad suggested a 2% annual appreciation on that amount seems fair on the 160k for him, and now he believes it should match his home’s appreciation, which is roughly 5% per year.

My last deal was my first off market deal and when I contacted the sellers wife about the deposits she said that that was a given as part of a multi family sale and they’d write me a check at the closing as I requested because money was tight and I didn’t want a credit where I’d have to come up with the funds out of pocket later.

This contributes to a higher-than-usual premium in the spread between the 10-year Treasury and 30-yr mortgage rates i.e. higher mortgage rates.The complication today is that since buying a hell of a lot of these bonds from 2020-2022 they have been steadily selling them back into the market or allowing them to roll off/expire.This does put upward pressure on mortgage rates.The Market Lives in the FutureBeyond directly lowering treasury yields, QE increases the overall money supply in the economy.

That way you don't increase your payment unless you pull money out.

There is a significant amount of time and money to spend to get the property ready and market it. 

If you're looking for ways to accelerate, consider these options:Seller Financing – Some sellers may finance a portion of the purchase price, reducing your need for a large down payment.DSCR Loans – These loans focus on property cash flow rather than personal income, often requiring only 15% down.Private Money Lenders – If you can find a PML willing to work with you, you may be able to put less down.Partnerships – If you’re open to splitting profits, you could bring in a partner who funds the down payment.Since you’re okay with the slower path, just keep stacking cash, but these might be worth exploring to move faster!

If the zoning won't allow it, then it would be a waste of money to continue with the renovation.

You probably have a lot of friends or relatives with money to invest and an interest in real estate, but they have no clue what to do.