As we approach the new year, it may be a good time for all of us to take pause and re-evaluate the macro environment and ensure we're really digging into our numbers and get after it while the "gettin' is good."

If you had 100k in cash and about 400k in borrowing power using conventional financing, how would you take advantage of the current long term low interest rate environment while still setting yourself up to do deals in the future?

Thanks for the reply and sharing an overview of the regulatory environment.  

As landlords we are operating in a highly regulated environment.

Those two factors together make this an excellent environment to accumulate property.

I don't know the environment in Texas well enough to help you with your climate (in my area the first concern is winterization so plumbing doesn't freeze).

No fees or costs and dropped the rate by 300 bp to 5.5%, It worked out to a $74,000.00 annual savings to the owners…… Not a bad dayWhat’s your experience with banks in today’s environment?

Legallities aside, to successfully raise capital in this environment you will need a verifiable track record of success in the same or similar ventures.

. % based calculations are estimates based on historic statistics which you must adjust to suite your investment environment.

There are legitimate reasons for taking this route, like if you are a high-earner and just need to "park" cash in a safe investment in exchange for lower returns or perhaps as a hedge against vacancy, rental market fluctuations as the rental demand in these areas is limitless even in challenging economic environments.