Maybe you don't use Melatonin while sleeping lol.Remember if you use 30YFRM for the loan,it's the banks that make money the most, a good product is either 15YFRM or 10Y ARM due to equity building. 30YFRM only makes sense for cash-out refi only if you had sustainable appreciation/equity.But you need cash flow ?

Does this resonate with what you're hearing from lenders right now?

Your comment about questioning their credibility resonated with me for sure.

Here is just glimpse of what you'll learn this afternoon: The 3 currencies of freedomHow to grow your real estate portfolio safely and sustainably in 2024—spoken from an investor who thrived in 2008!

Sustainable, energy-efficient homes are not optional - Gen Z buyers prioritize eco-friendly and energy-efficient homes.

Example; if you carried 60% of the RC and sustained $100,000.00 in damage (this could be a couch fire on the 2nd floor), you would only receive $60,000.00, prior to deductible. 

If there's a match or two, then go to #4.4) Talk to the matched program leaders and see whose strategy and personality resonates the most with you.5) Take action

After having another contractor inspect it, he said it was just the end of the beam that sustained some water damage.

At some point I would think you'd need more population growth to sustain it.

Also, spreading your risk can safeguard you from the setbacks of a single deal going sideways, ensuring a quicker recovery and sustained momentum.