I'm in the Reno Tahoe area and there are new standards that insurance companies are looking at when considering insuring your property. 

/indiana-brand-new-multi-unit...

I’m 23 years old and fairly new to the real estate investing world.

I am very new to this whole real estate world, and would not even know where to start when it comes to this type of financing.

So, if interest rates are a buyer’s primary roadblock, then I recommend negotiating a rate buydown at a seller’s expense or looking at new construction, where builders are offering rate reductions and other substantial incentives.What if I’m a seller?

Theoretically, we can then attach the funds to a new property or a temporary escrow account through an already agreed upon "substitution of collateral."

I am totally open to ideas and constructive criticism as I stated I am new to this and would like to learn from all of you experts:) Thank you so much in advance!

The new owner has not authorized the work on house.

New BP Pro member here.  

But personally in my state of WA, I can lend in 2nd position on a rental at very low CLTV and put a 1st on a new acquisition at a low LTV and I would take that loan all day, every day over a 1st position on an acquisition at 85% LTC.