I get a DSCR loan on the property and we try to suck out as much money as we can to leverage the property at 75% of the ARV.

If not, ride out the 12 months with the hard money lender.People have to make good choices and not over extend themselves just for the sake of buying something they really can't afford or that doesn't make good cash flow.

It’s because having cash available doesn’t not necessarily mean the borrower has the credit CAPACITY to obtain a loan.  

Hey @Brandon LaRose, do you have the ability to use a Margin Loan against a taxable portfolio, or a policy loan against a permanent life policy?

.⚠️ Financing Challenges: Hard money loans carry high interest rates that nibble into the bottom line.Unrealistic timelines: If you think you're going to be in and out in 60 days, you're sadly mistaken-most flips take longer than expected.Real Talk: Is Fix and Flip Still Worth It?

The terms for a 2nd position loan on a rental is 6%, 25 year term,  and 2 points origination fee.  

Many Gen Z buyers, however, are still in the process of securing their down payment funds or comparing loan options when they start making offers, putting them at a significant disadvantage.Looking AheadDespite these challenges, Gen Z homeownership demand remains strong.

Hey @William Weston ALL llc and even C-Corp loans that I have done REQUIRE personal guarantee.

The deal will leave the seller at your sons mercy for decades (the life of the loan).

We're willing to live almost anywhere in the greater Sacramento area based on what we can afford, provided of course that the property is in a decent neighborhood that has a good chance of attracting responsible tenants.As for budget, I believe we could get a conventional loan for properties up to $600k, but my strong preference is to find a distressed property (or seller!)