This expansion is largely driven by traditional banks scaling back lending activities, prompting borrowers to seek alternative financing options.Key developments include:Increased Interest Rates: Higher rates have made private credit more attractive, offering yields above 10% for investors.Regulatory Changes: New compliance requirements are being introduced to ensure transparency and protect borrowers.Market Liquidity Concerns: Some private lenders are facing liquidity challenges, raising questions about the stability of the sector.Given these dynamics, I'm interested in hearing from the community:How have you adapted your investment strategies in response to these changes?

Alternative Perspective on Applicants with Recent BankruptciesIf an applicant has recently filed or is about to file for bankruptcy, it’s worth noting that their debts will typically be discharged or placed into a structured repayment plan (Chapter 13).

Is there a better alternative than CFD, that is more attractive?

I am ready to put the for sale  signs up today.What IS that more reliable and passive alternative you are referring to, you say I should do instead?  

.- alternative financing.  

At one property in Delaware, we drill a well and hit water at 8 feet, obviously not a good area for a basement.A third alternative is to build a house on a slab, cheaper than a basement and don't have issues with moisture issues. 

Have you tried reaching out to alternative title companies?

Let’s build this thread as a learning hub for alternative housing models that actually work in today’s market.— Janene SessionRealtor | Investor | Performance CoachTeamDealBroker.com

Alternately, showing a bank statement with at least 100% of the purchase price could serve a similar purpose.

When your taxable income runs low but the properties themselves are strong performers, a DSCR loan can be a great alternative to traditional credit unions or banks.