I know BiggerPockets has investors at all stages, from first deal to institutional level, so I’m curious what’s working for you.Questions:What assumptions are you baking into your underwriting right now?

$2.5B New Center by Henry Ford Health, Pistons owner and Michigan State Universityhttps://www.clickondetroit.com/news/local/2023/02/08/incredible-investment-in-our-city-25b-detroit-neighborhood-redevelopment-to-begin-in-2024/$1.5B Investment, 12,000 temp jobs, 6,000 New Jobs: District Detroit Developmenthttps://www.detroitnews.com/story/business/2022/11/15/district-detroit-1-5b-development-to-include-housing-retail-hotels/69649853007/$1.4B Total as Hotel Added to Hudson Sitehttps://www.detroitnews.com/story/business/2023/11/02/hudsons-site-hotel-plans-move-ahead-as-city-issues-permit/71426631007/$439M Gilbert Foundation investment in Detroithttps://www.henryfordmsu.org/news/september-2023/gilbert-family-foundation-announces-nick-gilbert-neurofibromatosis-research-institute$400M Investment, 517 New Jobs: Norway’s Nel Hydronhttps://businessfacilities.com/nel-hydrogen-will-build-400m-gigafactory-in-southeast-michigan#:~:text=In%20Southeast%20Michigan-,Nel%20Hydrogen%20Will%20Build%20%24400M%20Gigafactory%20In%20Southeast%20Michigan,green%20hydrogen%20using%20electrolyzer%20technology.$300M Huntington Place Renovations & New Detroit Hotel https://www.crainsdetroit.com/real-estate/huntington-place-renovations-new-hotel-deal-reached$200M Chase Investment in Detroithttps://www.axios.com/2023/09/28/detroit-rebound-jp-morgan-investment$44M Investment, 237 New Jobs: Bollinger Motorshttps://michauto.org/bollinger-motors-plans-44m-metro-detroit-investment/$21.5M Investment for Detroit west side Dexter Neighborhoodhttps://www.clickondetroit.com/news/local/2023/11/01/neighborhood-on-detroits-west-side-receives-more-than-215m-in-investments/$20.6M Investment, 186 New Jobs: BorgWarnerhttps://www.crainsdetroit.com/auto-suppliers/borgwarner-invest-206-million-create-186-jobs$11M, 200 New Jobs: Volkswagen Scout Brand Investment in Detroithttps://www.teslarati.com/volkswagen-scout-11-million-detroit-investment/New Detroit Developments to Be Excited Abouthttps://www.metrotimes.com/detroit/15-new-detroit-developments-to-be-excited-about-photos/Slideshow/32734721/327353923 International Companies Choose Detroithttps://www.detroitregionalpartnership.com/international-investment-comes-to-detroit-region/6 New Residential Developments in Detroithttps://detroitisit.com/6-new-residential-developments-in-detroit-to-know-about/Contact us with any questions you have.

CompetitionAuctions are competitive — institutional buyers often dominate, so margins can be thinner than they look on paper. 4.

Some institutional lenders flat-out prohibit seconds; others are open if the combined leverage isn’t too aggressive. • Where I’ve seen it work, it usually comes down to (a) strong DSCR at the assumed rate, and (b) the relationship — smaller/regional lenders tend to be more flexible than large agencies. 

I don't have experience with how VA loans work, but in my experience financial institutions like to see cash flow when purchasing an asset.

My role has involved making strategic purchasing decisions, negotiating supplier terms, and managing large capital investments in a competitive environment.As the Amazon landscape has shifted toward large players with exclusive manufacturer access, I’ve been planning a transition into real estate finance — particularly hard money lending, In my role, I’ve:Managed multi-million dollar purchasing decisions, sourcing high-demand products and optimizing inventory strategies.Analyzed large sets of data to forecast profitability, manage cash flow, and minimize risk.Built strong relationships with suppliers, financial institutions, and logistics partners to drive operational efficiency.I’m confident that my financial acumen, data-driven approach, and experience in capital management can translate seamlessly into roles in real estate finance.I’m eager to connect with professionals in the field, and I’m particularly interested in opportunities related to:Hard money lending and underwritingReal estate investment analysisPortfolio managementIf you have any advice, mentorship, or know of any opportunities in real estate finance, I’d love to connect.

Depending on the financial institution you go with, if you were to receive a favorable LTV, you'd still need to consider what your interest rate and amortization rates are to get an accurate view of how much you'll need to cash flow to cover the loan and other expenses.

Is this common for commercial institutions?

I like the lower interest rates of institutional financing. 

Hi Hannah, all tenant funds must be held in a trust account in OR - you are required to provide the address of the banking institution to the owner and tenant.