As well as coffee shops like Bottoms Up Coffee are moving in and small microbreweries like brew dog and Land Grant.

Rate matters, but structure often matters more.There’s a world of tools beyond rate shopping that can dramatically change your deal’s economics:Buydowns: Temporary rate reductions (like a 2-1 buydown) that ease you into full payments.Seller credits: Negotiate to have the seller cover closing costs or fund your buydown.Adjustable-rate mortgages (ARMs): Useful if you plan to refinance or sell within a few years.Interest-only periods: Boost cash flow early, especially on value-add projects.Example:Let’s say you take a $300,000 loan.

As the credit system allows for "shopping around" for the best rate / terms when making a purchase.

Let me know if you ever want to talk shop.

I knew who they were but they didn't affect me at all.All this does is reinforce the fact that arbitrage is not the best strategy.Like @John Underwood said, this isn't the first large player to close up shop.

Definitely shop around.

Good luck and I am always available to talk shop if you would like.

So, owners mistakenly think price is the only differentiator – and look for a PMC like they’d shop for groceries☹We encourage you to learn from the mistakes of others by reading posts here on BiggerPockets from owners that picked a PMC solely by price and regretted it.We recommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Even if someone gives you a referral, do NOT make the mistake of assuming that just because a PMC met their expectations, they’ll meet your expectations.

Do three things: automate one extra principal payment each month or switch to biweekly so you make roughly one extra payment a year; throw all windfalls and any annual escrow or tax refunds as principal‑only curtailments; and shop a refinance only if the rate drop and costs lower your break‑even in a timeframe you’ll keep the loan.

Those will give you true long-term stability with minimal refinance risk — and you can shop around nationally for the best rates and lowest fees, rather than limiting yourself to local options.The key is working with a lender or broker who’ll stay with you through each phase — acquisition, rehab, and long-term hold — and understands how to navigate structured or corporate tenancy setups like sober living.If you’d like, I can share a few approaches we’ve used with investors doing multi-property BRRRRs under similar arrangements.