As for flips, the key is building relationships early, not just chasing the best rate.

Best of luck!  

Investors & PMCs are more business oriented than owner-occupants and will shop and shop and shop for the best price.They may also expect you to drop your price in the middle of a project - because they think thy found someone cheaper.Working with PMCs can be steadier, but payments can drag due to the PMC waiting for the property owner to send funds and then their own internal processes.DM us if you'd like more insight...

https://www.cnbc.com/2025/11/05/in-a-volatile-week-for-inter...Mortgage demand pulled back last week as rates swung wildly, starting off low and then climbing sharply, rattling buyers.  

What information do you need from me to determine the best loan for my situation?

they typically get access to the best inventory, the best contractors, etc.the hardest part is going to be sourcing the right kind of property that is distressed enough but not too distressed. and, contrary to the hype, flipping takes capital - no one is going to loan you 100% of purchase, rehab, closing costs, holding costs, etc.are you able to devote some time to networking, getting access to inventory, going to visit properties in person, calling lenders, and calling contractors and trying to get a sense of their availability?  

Since I know a lot of folks here invest in South Florida, thought I'd share the key findings:📊 Key Data:- Luxury inventory at 10.2 months (discounts averaging 10%)- Operating costs up significantly: Insurance +29%, Maintenance +24%- Cap rate spread: 4.7% (Brickell) vs 5.3% (Kendall/Doral)- Condo fees up 45% since SB 4-D passedFull report with neighborhood breakdowns: https://thsld.com/miami-property-management-trends-2026What are you seeing in your markets?

Best of luck!

Hard money or private money lenders will give you cash with an interest rate commensurate with the risk - 12-14% with several thousand dollars of fees on the front end. 

This one is a newer build townhome in an A-class Bluffdale neighborhood — great location, newer construction, and easy to manage long term.Property OverviewProperty Type: Townhome – newer build, A-class neighborhoodPurchase Price: $480,000 (market value)Down Payment: $70,000Underlying Loan Balance: about $410,000Interest Rate: 2.375% fixed through December 2051Loan Start: December 2021Monthly P&I: $1,755Taxes/Insurance (Escrow): $470Total PITI: $2,225 per monthRented: $2,495 per monthServiced through Escrow SpecialistsProtection: Recorded Notice of Interest on titleWhy I Bought ItThis isn’t a big cash-flow play — it likely breaks even after reserves — but the rate was too good to pass up.