I don't know much about build to sell, so I'm not the right person to advise you on that.The market IS very difficult for buying rentals right now, period, so kudos to you for recognizing that.  

FICO scores and other risk scores can be misleading if there's not enough tradelines over at least a 48 month period.

Yet good sponsors are still closing — by engineering smarter capital stacks, not waiting for rates to fall.Here are 3 structures we’re seeing work right now 👇1️⃣ Senior + Mezzanine LayerWhen banks stop at 65–70% LTC, adding a mezzanine layer pushes leverage up to ~85%.It’s structured debt — not equity — letting sponsors close gaps without dilution.2️⃣ Preferred Equity Replacing MezzWith mezz pricing tightening, many sponsors are pivoting to preferred equity — same position in the stack, but with more flexible terms and upside participation.Often used when senior lenders won’t allow a true mezz note.3️⃣ Bridge with a Construction TailBridge lenders are extending into stabilization periods, giving developers time to lease up or season cash flow before refinancing into perm debt.That flexibility can make or break timelines right now.🧩 Why this matters:Capital creativity is the difference between paused and closed deals.The capital stack isn’t fixed — it’s engineered.💬 Question for the group:What’s the most creative capital stack you’ve closed (or seen) in this market?

I would agree with your Dad--your job right now is to get the best grades you can, and learn as much as you can; that education will serve you the rest of your life.

Right now, no response at all, it's 2 weeks after the rent due, about 1 week after the 5 day grace period for late fee charge. 

So if you’re renting 1/4 of the property as short term rental and 3/4 as long term rental, the average period of customer use for the whole building would be greater than 7 days.

The rest will go into a high yield savings account until we are ready to purchase again.

Owner would like a downpayment of 400,000-500,000 and will finance the rest at rate lower than the banks could provide. most likely over the course of 15-20 years.

Many of the builders that I have been working with over that last number of years are doing some of both, holding a percentage and selling the rest to find the next project. 

I had two other properties with commercial loans have their five year fix period expire, and so overall cash flow has taken a hit this year.