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

And honestly, anything that lets them stay longer and safely is usually worth it.If you say no, they’ll eventually reach a point where they physically can’t use the bathroom and will have to move — and then you’re looking at a full turnover after 40 years, which is rarely cheap.If it were me, I’d allow it with a signed addendum that fully protects you, and require licensed professionals only.

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.

There is no logical reason on products.

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. 

These changes don’t involve physical alterations to the property but instead adjust how housing services or policies are administered.Examples of Reasonable Accommodations:Allowing a service animal or emotional support animal in a “no pets” community.Providing a reserved parking space closer to the resident’s unit for someone with mobility limitations.Permitting rent payment by mail or online for a resident who has trouble visiting the office.Extending rental deadlines temporarily due to hospitalization or disability-related delays.Landlord Responsibility:Landlords must approve reasonable requests that do not create an undue financial or administrative burden.Requests should be handled promptly and confidentially.You may request verification of the disability or need for the accommodation (especially if it’s not obvious), but you cannot ask about the details of the disability itself.Tenant Responsibility:The tenant must make the request (verbally or in writing) and explain how the accommodation relates to their disability.The tenant must continue to follow all lease terms unrelated to the accommodation.What Is a Reasonable Modification?

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. 

I recently graduated from Physical Therapy school in May and have been working full-time since August.