I feel like there's gotta be a catch.

I'll decide after I catch up on my sleep!

With the Hawaii market, will it be smart to be negative for a few years and let appreciation catch up?

They even have a feature to see any subscriptions you're being charged so you can make sure to "catch" any that you may have forgotten about.

its hard to think if it was a normal 30 or 45 day rate lock lock that the process is taking that long to where you would need to extend. i was trying to catch up on previous responses, but it sounds like the cap at the 66% LTV was to keep the DSCR ratio's in line to keep the original terms the same. i do agree with a previous comment that 1.5 bps a day is very reasonable for extensions. most non-qm lenders will except an appraisal from another company and transfer it over. however most lenders (if they are sticking with the same company) will not usually allow a 2nd appraisal, so they might be sending elsewhere anyway. hope this helps

Those are the two things that catch most folks in Chicago by surprise when they do a big renovation to a unit.

Best wishesJust to clear up that post in case you didn't catch it all, I made it clear that I purchased this over 15 years ago following the 1% rule.

I’m quitting my full time job due to an issue with a potentially ongoing contagious illness at work that I do not want to catch so I am going to go limited part time where I’ll likely get 4-6 shifts per month which will subsidize my bills just enough that what I’m able to collect from my real estate will be plenty.

Sellers still owe 71k  which I have the funds to pay off but the catch is, they obtained the property with seller's financing.

Does anyone have any experience dealing with them and if so, what's the catch?