I dont think it had a super duper impact, but I bet it influenced some ok deals into some pretty good deals.

STR is super volatile across the country right now, and is even more painful here due to the lingering impacts of Helene.

The big hurdles that are preventing this from really making an impact are:1) Barrier to entry cost - This is all the permit fees, environmental studies, professional costs, etc.

You can do a DSCR loan which is more focused on the specific property and does not impact your DTI, you can also get a traditional investment loan that is impacting your DTI.

Did you see any impact form the oil price changes yet?

If you pursue conventional financing (agency), then your education debt is calculated in one of a few ways:If a monthly liability is reported on your credit report, that is the amount that will be used in the DTI calculation.If there is no monthly liability on your credit report (shows blank or zero), Fannie UW will use 1% of the total debt towards your DTI calc and Freddie UW will take 0.5% of the total debt towards your DTI calc.Depending on what type of 1099 income you have, you may be able to offset your income with deductions or credits to essentially "zero" out the impact on your DTI. 

Food insecurity means that individuals and families cannot consistently access the food they need, often forcing them to make difficult choices about how to allocate their limited financial resources.

I come from a background in sales and energy infrastructure, and my long-term vision is to build a faith-driven business that creates passive income, serves families, and frees up my time to coach, mentor, and raise a future family with impact. 

It’s a complex world that blends public finance, engineering, construction, and community impact.

.🛠️ They take abandoned homes and turn them into safe places for families🌱 They bring life back to neighborhoods that others wrote off 📚 They create spaces for small businesses, nonprofits, and neighborhood services.They’re not just chasing cap rates—they’re using their development skills to give back, one property at a time.As a former Director of Lending at a CDFI, I exclusively financed the acquisition and rehab of 2-4 MF and small apartment buildings that overlooked by local banks and credit unions.Nearly all my clients had 1 of 3 things in common (many had all 3) that motivated them to complete their redevelopment project, they either:1️⃣Grew up in the area,2️⃣Still attend church nearby, and/or3️⃣Have a family member that still lives in the neighborhoodAnd here’s the thing:↩️These impact-minded investors still make a solid return, often with Equity Multiples over 3.0x.