Over the last couple of years, investors have been dealing with higher interest rates, stricter bank guidelines, and shifting prices and rents in many markets.​
News reports keep highlighting deals falling apart at the financing stage or investors needing more creative capital stacks to close.

For those actively investing today, how are current lending conditions affecting your deals?

- Are traditional banks saying “no” more often, or just taking longer to close?

- Have you changed your buy box (LTV, DSCR, spread between rate and cap rate, etc.) because of the new environment?

- Are you using more private money, partners, or other structures to get to the closing table?

On the small residential side (SFR and 2–4 units), it seems like many investors are tightening their numbers and insisting on deeper discounts or stronger value‑add plays before moving forward.​
Curious what you are seeing in your market, what’s working for you, and what types of financing or deal structures you think make the most sense with where rates and risk are today.