Initially I did 15 year, no-doc loans for properties that were little more than shells.

It’s a structural demand shift.Fewer children means less family formation and less forced homeownership.Instead of prioritizing square footage, schools, and permanence, more households are choosing flexibility, mobility, and convenience, all which favors renting.If this trend continues, births will fall below deaths within a decade.That likely means:Higher rental demandLess “must-own” housing demandHome prices need to adjust to attract buyersRates, supply, and zoning get all the attention, but demographics like this cannot be ignored.

Lenders and capital partners are more willing to lean into edge cases, tighter timelines, or unconventional structures when they’ve seen someone execute before.Where deals really get stuck is when numbers are thin and experience is light.

Permits/Plans/Structure/Appliances/Design/Furnishing etc.); Appraisal (Jan 2025): $1.057MQuestion: For cost segregation / accelerated depreciation, should depreciation be based on:1) Only the ADU build cost ($120K)or2) Overall property basis, excluding land, using the ADU’s square-footage percentage?

A bit more detail on your market, price range, and strategy would help, and it would also be helpful to share what kinds of structures you’re considering so people can offer concrete ideas.

With no rehab costs or holding period involved, the financial structure stayed simple and supported a smooth same-day close.How did you add value to the deal?

When organizations like this reduce headcount at scale, it usually signals a structural shift in how work is done—not a temporary slowdown.What’s expanding while this happens matters just as much.The AI economy is built on physical systems.

For instance, here are just some of the other variables that affect the quote: the type of loan, the term, the structure, the zip code, the property type, the number of units, the PPP, the points, the day when the rate was quoted, the LTV, the loan size, DSC ratio, the list goes on. 

Fees are a massive part and costs of the loan structure - not purely about rate. 

I was thinking maybe its a series LLC type structure I see that in Chicago.