Yeah - the way we view it is that we have a "net" hurdle we want to make on the loan, but are agnostic on whether that is earned on the backend or frontend or a mix of both - but to be transparent and flexible to give the borrowers all the options (up to them if they want a high rate / low or no points, low rate / high points, or mix)

The family we guaranteed rent to on their existing home, giving them the flexibility to buy with a partner builder and move out of state to be closer to the best treatment facilities when faced with a difficult diagnosis.10.

Find one that can be custom to your needs, has flexible pricing, no long-term, high-cost memberships, and excellent customer services to determine how to best market to your leads.If you would like a referral code or more information please let me know :)

Name: Laura NelsonGender: FemaleAccommodation Preferences: Flexible; own bedAbout Me: Laid back RE investor based in the Denver metro; love dogs, skiing, outdoorsContact Preference: DM meAdditional Comments: Conference dates only; probably will not extend my trip

Lately, city has been more flexible for high density zoning.

Portfolio Growth: Keeping the old property and leveraging the equity (through a HELOC or refinancing) might give you more flexibility to buy additional properties.

**Local Credit Unions & Regional Banks**: Many local financial institutions in South Carolina offer investor-friendly loan products and might be more flexible with terms for a cash-out refi.

It's a good idea to look for lenders that specialize in more flexible terms, such as portfolio lenders or private money lenders.

Yes, you'll have some costs and time spent to keep your license active, but having your own broker's license would give you extra flexibility in the future. 

How flexible is your lender when it comes to LTV, and have you ever considered how private money lenders can offer more competitive terms?