A few questions that go a long way are:• What’s the real cost once you include points, fees, and any extensions• How quickly they can close and what they need from you to keep things moving• Whether they’re open to a seller carryback or subordinate financing• What the exit path looks like and if they’re comfortable with you refinancing into DSCR or bank debt later• What their process is if the appraisal comes in lower than expectedMost people forget to ask these and end up stressed later.

Near‑miss that taught you something—overly optimistic ARV, rate stress, or hidden rehab?

This is why it is stressed to have a contingency fund in your budget, but do you have enough?

You save 8 months of stress, surprises, and opportunity costs and now you have increased your door count using the same capital.

Growth funded by hope usually shows up as stress six months later.• Systems before scale.

Then if the appraisal comes in even 5% under your ARV projection, suddenly you're leaving way more capital in the deal than planned.The way I've been stress-testing deals is running multiple scenarios before making an offer.

It takes the stress out of remembering all the RTB deadlines and requirements so you can focus on the lending side.Good luck with your investing journey!

And others that have been going bankrupt like Starcity were more because of COVID and ending in cashflow problems because of the decreased occupancies. 

Prioritize boring cash flow and clean operations over chasing the perfect duplex, because the first small multifamily that runs smooth is what lets you stack reserves and scale without stress.

I would be happy to help you run real comps, stress test the numbers, and identify opportunities that fit your strategy both on and off market.