At Branch Lending, we’re flexible and can move quickly either way.

And are you finding lenders are still strict on DSCR, or are any of you getting flexibility if the deal is strong?

I’ve been seeing more mixed-use and retail investors looking for flexible loan structures.If you’re navigating commercial lending and want to compare strategies, always open to discussing funding options.

My understanding is that with VA loans you need to close with the intention of occupying the property, and most lenders want you to move in within 60 days after closing, but that there is more flexibility on the occupancy requirement with VA than other loan types. 60 days should give you plenty of time to get the tenant out even if you need to evict (check your local laws for proper notice to vacate/ non-renew a M2M, and average eviction times in your area).

Quote from @Rion Manita: Hello BiggerpocketsI'm working on some deals where buyers are trying to stack owner financing with a bank or private lender, what are some strategies to get these across the finish line and or some solid lenders that operate in these capacities that are flexible. thank youWord of warning - everything must be disclosed to all lenders.  

They don’t usually foreclose like mezz— they take over control rights if things go sideways.Ideal for:Ground-up or heavy value-add where cash flow is lumpyDeals where senior lenders cap leverageSponsors who need flexibility on timing of returnsThe real deciding factor: cash-flow timing vs. controlIf you can make regular payments but don’t want to dilute ownership → MezzanineIf you can’t guarantee near-term cash flow but need capital to close the gap → Preferred EquityIf your senior lender forbids mezzanine (which happens often) → Preferred Equity is the workaroundOne more nuance most posts miss:Preferred equity comes in two flavors:Soft Pref – economic preference, no takeover rightsHard Pref – essentially mezzanine equity with control triggersUnderstanding which version you have matters just as much as the return.Both tools are powerful, if you pick the wrong one for the wrong project, it can wreck your risk profile.

Credit card transactions still have to be entered manually.We actually use QuickBooks Online (QBO) for our accounting since it gives us more flexibility and reporting options.I’d also love to see an in-app calling feature (right now it’s text only).More flexibility to create custom CRM statuses would be nice too.I haven’t tried many other platforms yet, but for now AppFolio and QBO covers most of what we need pretty well.

This data confirms a broader shift:Pandemic migration has fully cooled.Supply growth in Sun Belt markets is outrunning demand.𝐎𝐰𝐧𝐞𝐫𝐬 𝐦𝐮𝐬𝐭 𝐝𝐞𝐜𝐢𝐝𝐞: rent concessions, increased marketing, or selective disposition.𝐆𝐢𝐯𝐢𝐧𝐠 𝐢𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬: motivated sellers, flexible terms, and creative deal structures.If you’re new to real estate and have been watching and waiting, this is one of the best opportunities to learn how creative investing actually works.

One thing I’ve seen help investors is having flexible options ready — bridge, rehab, DSCR, etc.

In NH/NE, having a solid RE attorney who understands entity structuring and estate planning will be a huge asset — a lot of investors here recommend asking your CPA for referrals since they often work closely with attorneys.As for pivoting with purpose, many investors in your shoes start by clarifying whether they want to optimize for cash flow, appreciation, or lifestyle flexibility — that decision usually shapes whether they lean toward multifamily, short-term rentals, or commercial.