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All Forum Posts by: Mike Grudzien

Mike Grudzien has started 2 posts and replied 1139 times.

Post: Prepayment on DSCR

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857

It all depends on your goals. Shop around and find terms that coincide with your goals.  There's no "fixed answer" out there.

Post: 💰 Real Talk: How Are You Funding Your Deals in 2025?

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857

Funding is all in the numbers, the borrower's track record & experience and the security lien that's twice the value of the loan.

Post: Down Payment Funding

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857

Not enough info in your "ask".

Post: Down Payment Funding

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857

Have you purchased the property already?
How much "skin in the game" do you have?

Post: VRBO: Comedy in Errors

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857

What a nightmare!

Post: STR lender question

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857

Lots of good advice here.

Post: Southwest Airlines starts serving the Smokies in Spring 2026

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857

Good news.

Post: Is anyone still expanding the portfolio of STRs?

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857
Quote from @Collin Hays:

In the Smokies, there are far more sellers of STRs than buyers. I suspect this is the case throughout the country. 

I am always a buyer if the deal is right. A couple of my all-time best deals were bought in precisely the peak of the overall market. The moral to that story is, you are only looking for one deal.  I tend to get myself in trouble when I go searching for deals - stretching proformas, trying to force something, etc. It's like waking up one day and deciding "Gee, I think I'll invest in the stock market today."  

If you stay watchful and ready, the good deals will come to you.  Anxiousness leading to a bad deal can really set your financial future back.  


 I heartily agree with Collin.  It's not the MARKET, it's the DEAL.  It's all about the numbers.

Post: 🦆 NO PNW Colleges make TOP TEN Football STR Markets - but don't forget about Eugene

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857

Go Ducks!

Post: Watermarking photos with logo & QR code

Mike Grudzien
#1 Creative Real Estate Financing Contributor
Posted
  • Lender
  • Eugene, OR
  • Posts 1,278
  • Votes 857

I like the logo pillows!  Genius!