How do fellow landlords handle this situation?

Based on the local market, $15k for renovations seems light—have you had contractors confirm this budget? 

How far off the mark am I on this one?

However as you correctly point out this is far more risky and or its risk capital compared to buying a income property.. but the reward can be strati-spherically higher .. not just a little bit but it can be life changing profits on some of these deals.

Depending on the volume you would be submitting, find a company that does not have high monthly minimums and can walk you through the process if this is your first time using.

Any insights from this group who knows this market on what is expected to happen with SF condo market in 2025?

This likely means living in Louisville proper, depending on the job's location.

This team consists of an Investor Focused Agent, Lender, Contractor, and PM.Read this article on the "core 4".

I get it if you have a lot of door under management, but AI still reads like AI, artificial.

If this is financing for a stabilized property rate carries more importance but rate combined with origination fees, pre-payment penalty and term in which you intend on keeping the loan in place are all considerations which together should help in deciding the best financing option.