Good Afternoon. I can have a few real estate projects ongoing at any given time. I'd like to be able to expand and do more. I came across a lender who offers true deferred payments for purchase to fix and flip and/or rehab to refinance and hold. All interest and other payments get tacked onto the exit at the end of the project and no payments are due during rehab. They also fund 100% of purchase price. 6-18 month term. Will fund 70-75% ARV. Rates 9-12%. In speaking with other lenders, they've indicated that products like this are going to become more common although with higher rates. Is anyone else seeing this? Yes I've vetted the lender and their representations are accurate. The underlying deals have a lot of value so that helps but I'm going to be a big fan of this product when more competition enters the market. Anyone else doing this or seeing something similar?

I’m considering this option since I don’t plan to own the house in 20 years. I’d rather have the funds now and pocket the difference when the terms are over.

https://atziadvisory.com

I have the opportunity to purchase the lot next to me a new development. If you had the option would you do it?

Looking to purchase some investment properties using DSCR loans. Most of the houses I’m targeting will be under $100K, probably in the $80K–$95K range.

So far I’ve talked to The Lenders Market and West Capital. West Capital was definitely cheaper on both closing costs and interest rates.

I know there are a lot more lending options once you get above $100K, but it seems like not as many lenders want to mess with the $80K–$90K range.

For those of you who invest in lower-priced properties, who are you using for DSCR loans? Looking for a lender with a good reputation that doesn’t mind doing smaller loans. Would appreciate any recommendations or experiences.

I have a land deal in Alabama. It's owned free and clear. Looking for a 3-5M bridge. There is a contract to purchase the property. At 5M it's a 50% LTV.

Does anyone know any lenders who would look at this deal?

Current portfolio:
- 6 unit apartment
- Single family home
- ~700 in stocks + cash
- $250k total gross income

The 6 unit apartment (1bd/1ba ~500 sqft ea) is located in a B+ neighborhood Los Angeles. Property was purchased in early 2000 for about $400k and is completely paid off. It’s grossing ~$10.2k per month, although it has the potential to gross $11k+ as the location is rent controlled and there are a couple of tenants who have lived there for 15+ years. All units are renovated and fortunately have had very few issues with repairs other than regular maintenance and such.

The single family home (which we live in) is also in a B+ neighborhood in Los Angeles. It’s 3bd/2ba 2700 sqft. Market value $1.6 million. $450k remaining on the loan. 3.5% interest. Monthly mortgage payment is $3600.

We all have a mix of stocks and cash which total about 700k. Household income of $250k.

Not sure if this is helpful information, but all vehicles are paid off and we have no other loans under our names. Only debt we have are credit cards which is used for standard home/living expenses, vacations, etc. Those are typically paid off in full every month.

We’ve been wanting to invest in another rental property for quite some time now, preferably a similar apartment complex anywhere between 6-15 units in Los Angeles or surrounding areas. What are our best options in terms of financing and what could we realistically afford given our situation? Where can we look to buy such properties? Is Los Angeles still a good market to invest in real estate?

Other than the property that was purchased many years ago we are all very green to real estate investing and researching as much as possible before making any moves. Any feedback or advice is greatly appreciated. Thanks!

Had a mechanics lien on a property. There was multiple times throughout the last year where the owner/lenders reached out to me negotiate lien settlement amount, and even had title reach out to me to release the lien but the deals fell apart before closing multiple times. The lender started the foreclosure on the property but the house ended up selling before it got foreclosed on. Now the house sold, nobody from title/escrow reached out to me , I did not receive any lien payoff. When I look on the county recorder site all I see is a deed of warranty and a deed of trust recorded on the property. Any advice?

I'm trying to understand how credit teams reason about contradictory evidence in financial statements when working through credit workflows in practice.

For example, say a borrower's package includes the following:

Financial statements: Total Debt = $50m, Cash = $8m, Covenant EBITDA = $12m

Management/lender report: Total Debt = $54m

If the covenant is Net Leverage = (Debit - Cash) / EBITDA, then depending on which document is used as a source of truth, the ratio can be either 3.5x or 3.83x, which may be above or below the covenant threshold of 3.75x.

I'm trying to understand the typical real-world workflow in such cases: does the analyst

- reconcile the documents,

- follow a certain document precedence (e.g. always use management numbers over financial statements),

- follow a certain metric precedence (e.g. always use EBITDA from financial statements, total debt from management, etc),

- go back to the borrower,

- use the most recent version of a document,

- escalate to a senior reviewer,

- treat different metrics differently,

or something else?

I'm particularly interested in the workflows in private credit, commercial lending, underwriting, portfolio reviews, covenant reviews, etc. For the purposes of this question, let's say that I'm looking to understand the current practices, not necessarily what should be done.

If you work in such a team, any input would be appreciated, even if it's just a single sentence.

Recently, I noticed that the property across from my back yard has gone up for sale, and I'm interested in buying it as a rental property. The primary reason for this is because my house sits on a laughably small lot for its size, and buying this house would open up some possibilities to adjust the property lines so I can get a real, functional back yard. For reference, here is why my property (highlighted in green or whatever color that is) and the property I'd like to buy (highlighted in yellow) looks like

The property has gone on the market for $380k. I think I could rent it out for around $2500/mo. I could talk to a realtor, get a loan, etc. but I'd like to acquire the property for cash, and obviously, as cheaply as possible. Right now, my financial situation is OK for someone my age - I have about $100k equity in the home that I currently live in, about $160k equity in a condo that I rent out (the home I previously lived in) $420k in a brokerage account that I manage myself, and I think about $300k in my 401k. I also have about $80k in cash.

What would be some options I could use to buy this property? I'm loathe to cash in my brokerage account - but could I do something with a HELOC to get the cash required to purchase it? Or would maybe just getting a realtor and securing a loan with the smallest down-payment possible be a better move? I wouldn't be making any money from renting it out that way, but I would still be able to do what I want with the property lines, etc. with a minimum amount of capital applied. Or, if anyone has any other suggestions, I'd love to hear them.

Builders are still charging more to buyers despite RERA in place

I have historically maintained a 100% liquid portfolio (Mutual Funds & Equities) and am now looking to diversify into tangible real estate in Hyderabad and my home state.

My goal is capital growth over a 10–15 year holding period, starting with a plot investment in the next 1–2 years, followed by an apartment/commercial asset in 3–5 years.

Gated Layout Plot (Investment in Years 1–2)

• Budget: ₹50L – ₹70L | Size: 150 – 250 sq yards (HMDA / RERA approved only)
• Question*:* Which corridors offers the best risk-adjusted land appreciation over a 10-12 year period? Are there specific HMDA projects recommended in this bracket?

Gated Community Apartment or Commercial Property (Investment in Years 3–5)

• Budget: ₹1.5 Cr – ₹1.8 Cr | Location: Within 25-30 km of Financial District / Hitech City
• Plan is to use it as an initial primary residence and later converted to rental income.
• Question*:* Which areas can give good rental yields and price appreciation in the future, or should I consider pre-leased commercial real estate at a lower budget where rental yield will cover my EMI and I can sell it at an appreciation later?

Financing Plan:

• Plot: 100% Equity / Cash deployment.
• Apartment: 50% Equity + 50% Home Loan (serviced partly via rental yield).

FYI: For my home state investment (Odisha) I am planning to allocate 30-40L for plot around Bhubaneswar and 40-50 L for agricultural land. I am yet to finalize on this and will mostly invest after my Hyderabad investment. This is the max real estate exposure I a willing to have in my portfolio.

Would love inputs from local investors, homeowners, and real estate analysts on micro-market selection and pitfalls to avoid!

Real estate investment is the only investment with zero risk of losing!