About half of it describes the area, local shops, but nothing meaningful to the properties condition.

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.

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.

This is truly a one-stop-shop for anything real estate . . . . 

We do have a couple engineers in our program, but the majority come from all walks of life – home builders, software engineers, dentists, fix n flippers, home wholesalers, real estate agents, shop owners… to name a few.

Check out my profile and let me know your REI goals for 2026 be great to talk shop!

Make sure to stop in the local coffee shop and hang out a while. 

Mark,Great question, and Yes, it is very wise to discuss the hypothetical's and scenarios up front prior to shopping and into a contract.

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.

There’s definitely a strategy to applying for business credit to avoid alerting other lenders that you’re shopping for credit.