These mortgage bonds trade with a spread, or higher amount of rate/return needed, versus the Treasury bonds to account for the higher risks.

I thought I’d give Paperstac a try versus buying from an individual directly which is what I’ve done the previous times.

Lumber is still running at $500 per thousand board feet versus $250 prior to Covid.  

This is disregarding the fact that 5-8% (let’s call it 6.5%) of $400k for appreciation is a $26k/annual profit versus $6k on your cash flowing home.

While opinions may vary, I rely on data to help drive real estate decisions and planning.Key ConsiderationsEducational Attainment: 77008 boasts higher numbers of residents with bachelor's (12,241) and master's degrees (5,739) compared to 77063.Demographics: 77063 has a higher percentage of foreign-born residents (41.02%) which typically indicates a strong rental market and with 76.86% renter-occupied versus 32.60% in 77008.Economic Factors: Median income in 77008 is $140,609 with a low unemployment rate of 3.37%, whereas 77063 shows lower median income ($51,899), higher unemployment (9.99%), and more families below the poverty level (16.51%), which may indicate economic diversity but also potential rental payment risks​​.Age Distribution: 77008 has more middle-aged residents (35-54) [8970 compared to 6,115] and a slightly higher proportion of young adults (25-34) compared to 77063 but both are popular with younger adults suggesting strong rental markets equally exist.

Versus $3,300 cost, would be additional profit of say $7,000 per unit. 

Keeping a long term tenant might be worth it to me versus cleaning up after a 10 year stay, even if the rent is below market. 

So, yes, each new offering is an opportunity to move to 506(c), but for these established groups with established networks that are limited by good deal flow versus capital availability there is no need to change the process and compliance requirements needed with a 506(c) offering, since the entirety of their marketing and raise will be limited to existing investors and/or referrals.Again, for OPs purpose, it doesn't make finding them easier, admittedly, but to imply that 506(c) equates to better operators is not true in my experience.

This is a Cole versus Pepsi debate.We exclusively use VRBO, simply because we are on an annual subscription model.

All this was Friday so I just asked clarification from the management company on why the quote was so high versus existing insurance, or my own agent’s Hartford quote.