In short, inflation is cooling, the labor market is softening, and consumer spending is holding up, an expected reflection of monetary tightening and cyclical slowdown.Rate Cut DebateA divide has grown further among members of the FOMC heading into their December meeting, where a rate cut remains on the table.

As we move further into the season, buyers remain intentional, sellers are adjusting to shifting inventory levels, and overall volume reflects the normal late-year slowdown.

The 2-year yield eased to 3.60%, reflecting modest risk-off sentiment and anticipation of delayed economic data releases.

The information above is based solely on written and verbal communications I had with HAR and MetroTex and reflects my personal records.

Traditional guidelines don’t always reflect the full picture, and sometimes these alternative approaches create a path forward when a deal otherwise doesn’t pencil out.Figured others here might appreciate seeing an example of how investors or homeowners with non-traditional financial profiles navigate these kinds of challenges.

MHP have one of the largest variations in a tenant profile that is NOT reflected in cap rates like the traditional apartment market.

In Chicago, you cannot deny someone housing based on immigration status, so focusing your screening on income and ability to pay is both fair and compliant.To avoid any confusion down the line, it’s a good idea to update your written rental criteria to reflect that applicants without an SSN or ITIN can still qualify by providing sufficient proof of income and supporting documentation.

Take a moment to reflect on how many folks you'll serve if you just follow through with ONE intentional act daily..

Not one adjusted the value from what the comps indicated based n what the income approach reflected.  

Quote from @Kay Sam: Doing a lot of reflection this week on real estate as a whole & my approach to fix & flips.