I have a partner who is moderately experienced in real estate.

Given that low supply I think there will still be some moderate appreciation in the two to four percent range.

This is how I would categorize lenders with some basic limiting underwriting factors:Banks/credit units - long seasoning, GLOBAL DTI, rigid documentation, good/long-term ratesTier 1 private money (institutional private money) - Short seasoning, property DTI, rigid doc, good/long-term rates (not as low as banks)Tier 2 private money (institutional private money) - Short seasoning, NO DTI, asset based, moderate doc, higher long term ratesTier 3 private money (institutional private money - bridge term lending, typically interest only type loans for 12-24 months. 

If it is low to moderate, most of the time you don't. 

A moderate amount of secured private lending could actually be a great help in a downtown.

Select whether it would be a collective effort (somehow keep it very moderated to only relevant responses) between us all or select a number of BP members. 2.

You'll have to get commercial financing, but you'll have options on the lending.Also a warning from your friendly neighborhood moderator.

Jon (Wheatie, a moderator here on BP) and I met last night in London.

That is how the moderators prefer it in the new member forum.

Thanks everyone MODERATOR:  NO ADS IN THIS THREAD.