Drill out the lock and replace with your ownhire a clean up crew off Craigslist to remove all clutter have a dumpster ion drivewayturn on utilities 

It’s less about squeezing max leverage and more about locking in survivable debt while waiting out rates.Short-term bridge → refinanceOn paper it looks expensive, but when the exit is clearly defined, it’s often the only way to unlock deals banks won’t touch upfront (vacant, heavy value-add, messy ops).Off-market + flexible capitalThis is where most of the margin is coming from right now.

The plan is intentionally conservative, but I want to pressure-test the financing and execution before locking anything in.It’s a 31×110 lot (3,410 sq ft) The current concept is a two-story front duplex (two 2bd/2ba units ~1,150 sq ft each) with a rear 1bd/1ba ADU (~600 sq ft).

Right now I’m actively: Sourcing off-market dealsBuilding strong cash-buyer relationshipsLearning from people who are actually closing deals, not just talking about it  My goal this year is simple: lock in consistent deals and build long-term wealth through real estate. 

But you are locked in and now instead of putting down 10% you have to put down 20% for the loan to make sense. 

.- Mistakes to avoid - don't try to contract deals just to lock it up.- Your #1 piece of advice for someone building a pipeline from scratch - stick to one marketing source and scale up.For my land biz, I mostly focus on social media/branding + Google Ads + SEO.

Keep everything in one app for rent and repair requests, require online rent only, and put smart locks on the doors so vendors can get in.

But, to release you of all liability I would put a good lock on that door and probably start the eviction process stating the reason why.

A lot of investors are still pricing deals the old way, but the holding costs and rehab timelines hit way harder now.What I’m noticing is that the real difference-maker isn’t always the price you lock the house up at—it’s how fast you can get in and out of the project.

Did one cash-out refi a few years back when rates were lower and used it to pick up another property - worked out well since I locked in cheap money.The tricky part now is the math doesn't always work with current rates.