They can't tell you what your interest rate will be or how much you will end up paying until you sign the contract and they run your credit so you will most likely end up paying way more!

Never had the thought of wildfires and homeowners insurance rates. 

I've traditionally relied on an Excel sheet, but it's not always convenient when I'm away from my computer.I recently came across an online calculator that seems to provide detailed metrics, including Cap Rate, IRR, and others.

What I have heard is the following:1) Banks willing to extend loans with the existing owner, hoping they can hold on until NOI goes up or interest rates come down2) Banks knowing a property is coming back so reaching out to a local broker to find a buyer with a pocket listing. 

Is your vacancy rate accurate for your area?

I’ve heard of numerous people raising “opportunity funds” to take advantage of what they call the “fire sale pricing” that will soon be here.I agree that there are more distressed sellers than in the past, and we have seen pricing become a little more reasonable than it was in 2022.

I want collectable funds the instant it hits the account.Anyone else use this ? 

So it already has to be a REALLY good deal.Best I’m using for my clients right now is a 90/100/75 program up to 92.5% LTC that can float down to 10.24-10.49% for 12 months, interest on drawn funds only, at 2-3% origination.

Given the state of the stock market over the last few years, I'm looking for a way to invest in certificates to gain an interest rate higher than what banks are offering and returns that higher than the stock market right now.

Hi @Chen Avnery, I spent years lendinging to commercial borrowers for commercial projects when I worked with banks then I got into funding developers and builders.