The price increases that came to a head during the pandemic are a result of two major factors: A shrinking workforce, and a need for large financial institutions to seek returns.

Yes, you have to hang your license with an institution because it pragmatically isn't economical to run your own independent shop these days.You're still often brokering or correspondent lending, though, if you work for a mortgage bank or mortgage company (eg, not a "bank" bank, where you can have a checking account).

I have about 15k liquid cash and live in MA.

All of these things on an institutional level are much more trackable and transparent.However, in the small stuff - who the hell knows.

Big enough to be worth the squeeze, but smaller than most institutional + no anchor.I am a CRE lawyer for those types of deals, we help with PSA, NNN leasing, etc.

I am totally done with rentals in MA.

It’s good to get involved with the neighbors and neighboring institutions as well.  

Hello AllAnyone know of a bank, credit union and or lending institution that will provide a HELOC on an investment property in VA? 

Your friends might not want or need this, but if you go to an institutional lender, this is what they'll ask for...GUARANTOR APPLICATION: Each owner of the Borrowing Entity will need to complete some sort of application on themselves personally.

I've known institutional investors who have basically purchased city blocks over a decade or two for their next "big" development project.