That rate will be lowered further to 40% in 2025, and 20% in 2026.

Plus today's rates for conventional loans are in the single digits, which are lower than hard money.

Also HELOC's typically have lower interest rates than personal loans since it is secured by your home.

Get a nice downpayment (lower LTV better)Hope this helps

The lower rate or longer term can also make the payment more affordable. 

I had a few questions and would appreciate any advice in general.Strategy / Goal: BRRRR but no major rehab at first to lower the risk.

there's a tremendous demand for inventory - both primary residences and rentals - and so buyers are willing to accept lower yield than a lot of us think makes sense. 

My cautionary tale for shopping lower and you need 100% clarity on what's covered and extra fees.

As sellers realize that buyers cannot pay the same price for the same income stream as before due to the higher rates dampening overall buyer returns over that 6-month market cycle, sellers will eventually transact at lower prices, making it more apparent to sellers where the current market pricing is.

Hmmm this is a tough one.