Quote from @Adam Macias: A 50-year mortgage sounds like affordability — but it’s really it'll be debt that never ends. lolOn paper, stretching a mortgage from 30 years to 50 lowers the monthly payment, yes.But in reality, you’re paying far more in interest while barely building equity for decades.If you buy a house at 25 years old if you're lucky, you'll be 75 when the mortgage term ends...It’s housing that feels like ownership but functions more like renting — just with a longer contract and a higher total cost.The real problem isn’t the length of the loan.It’s the affordability crisis that’s forcing people to consider lifetime debt as a solution.Until we address prices, wages, and supply, extending loan terms only delays the inevitable...The further elimination of the middle class chasing the American Dream of owning a home. 

Stock futures extended gains, reflecting investor expectations that the Federal Reserve will hold rates steady at its December meeting.

My plan 1. build septic mound and system to design2. build pad to extend past HUD for patio3. gravel drive and parking area with washed stone4. have utility water and electric performed by professional - I would possibly dig for water line install and electrical conduit 5. landscape/plant trees etc. 

Yet good sponsors are still closing — by engineering smarter capital stacks, not waiting for rates to fall.Here are 3 structures we’re seeing work right now 👇1️⃣ Senior + Mezzanine LayerWhen banks stop at 65–70% LTC, adding a mezzanine layer pushes leverage up to ~85%.It’s structured debt — not equity — letting sponsors close gaps without dilution.2️⃣ Preferred Equity Replacing MezzWith mezz pricing tightening, many sponsors are pivoting to preferred equity — same position in the stack, but with more flexible terms and upside participation.Often used when senior lenders won’t allow a true mezz note.3️⃣ Bridge with a Construction TailBridge lenders are extending into stabilization periods, giving developers time to lease up or season cash flow before refinancing into perm debt.That flexibility can make or break timelines right now.🧩 Why this matters:Capital creativity is the difference between paused and closed deals.The capital stack isn’t fixed — it’s engineered.💬 Question for the group:What’s the most creative capital stack you’ve closed (or seen) in this market?

To an extend, it is a 2-sides of the tracks city, with one side having your Chick-Fila and Lowe's and the other side having many boarded up homes in a row on certain streets.

Typically these short furnished leases have shorter termination periods and easier termination like a month to month so if you have a good month to month you are good.

Not replying to my message or call.Based on your extended experience, is that how it works in this industry? 

We get snippets, but not the full extended logic.Here are the basics:Cost Segregation —-> Losses, which either offset your W2 income, or are carried forward as Net Operating Losses.Cost Seg.

If a wall needs touchups we paint the entire wall, that helps extend it to not need a whole paint job. 

- Appraisal gaps- Increase contract deposit amountIn other markets; people shorten inspection/due diligence periods, pay seller's closing costs (i.e. transfer taxes), offer to pay a higher EMD.That said, the best 'tactic' is knowing your #s, knowing how to underwrite the deal, AND knowing how to establish a relationship with the other party (i.e. seller, seller's broker, wholesaler, etc.).