LTV varries by product and Lender, property and borrower risk, location, and more.Fix and flips, generally 85% LTC subject to 70% of ARV.

I give my thoughts in my weekly Skeptical Take below.My Skeptical Take:I do agree with the direction of Yardi’s analysis, but its economic forecast is a very conservative estimate.It all out ignores what I view as likely accelerated GDP growth in 2026, as new tax policy and an extraordinary AI Industrial Revolution drive productivity gains and fatten both company and consumer wallets (I know that sounds gross, but that is the most likely scenario.

@Joshua Hughes I generally like to look at the physical characteristics first and make sure those fundamentals are sound. 

Definitely don't overlook physical bulletin boards at the library, grocery store, or coffee shop; they still surprisingly generate leads here. 

Kentucky is doing something strange and kind of beautiful right now: we’re stepping off one train (coal) while a whole fleet of new ones—manufacturing, reshoring, logistics, data—are pulling into the station.Two headlines tell that whole story in miniature.Coal: from #1 producer to #7, but still powering the gridKentucky’s coal production fell 14% last year, dropping to 24.3 million tons.

Not because someone will put more hours than I have, but because I may not have enough time to put 100 hours physically.

I’d start by reaching out to local portfolio lenders (credit unions are great for this) or a broker (me) who does investor loans – they usually have products designed exactly for this situation and do a 2nd position that'll allow you to tap into the equity without touching your 1st. 

There is no logical reason on products.

Have inspector looks at the deal (IE - physical conditional assessment / PCNA) to identify any potential physical issues.

It was refreshing to work with someone who understands investors and has a variety of loan products available for more complicated financing.