The “Cheap Rate” Trap I’m Seeing Investors Fall Into

[Frankie Vozzi]

A lot of investors are still chasing the lowest rate possible, But in 2026, I’m seeing structure matter more than rate.

Some of the worst deals I’ve seen lately had: low rates, bad terms, trapped capital, no flexibility, Meanwhile, investors scaling right now are prioritizing: liquidity, faster closings, refinance flexibility, multiple exit options, A cheap loan can become expensive fast if it limits your next move.

Are you prioritizing rate or flexibility right now?

[Mike Grudzien]

Quote from @Frankie Vozzi:

A lot of investors are still chasing the lowest rate possible, But in 2026, I’m seeing structure matter more than rate.

Some of the worst deals I’ve seen lately had: low rates, bad terms, trapped capital, no flexibility, Meanwhile, investors scaling right now are prioritizing: liquidity, faster closings, refinance flexibility, multiple exit options, A cheap loan can become expensive fast if it limits your next move.

Are you prioritizing rate or flexibility right now?

 Frankie: You are spot on!