Wouldn't touch Covid originated loans with a ten foot pole, and there's a ton of FHA NPLs out there.Seeing an influx of HECMs, and sellers are loosening their belts somewhat.

But as soon as the market starts to loosen, deal flow increases and investment sentiment is less sour, a whole new batch of people will be back on these forums and elsewhere pitching how their 12 months of loan underwriting, and a few blog posts about how you calculate cap rates, qualify them to try to raise millions in investor capital.

Lead paint inspection regulations and rental registry change in Louisville.

Walking on my own after about the first 5 steps to loosen up.Little marriage advice before I get into the post. 

Rotate out of BDCs to Govt debt as tightening lingers, and rotate from govt debt to equities as fiscal policy loosens.

They successful cut taxes and loosened IRS enforcement. 

May want to hold tight until things start to loosen up or the property can appreciate more. 

They loosen the guidelines last year and made it much easier to get ADUs permitted.The other major risk by not permitting is if you decide to get it permitted later on, it is likely going to be more expensive.

Hopefully as the rates and the housing market loosens so will some of these guidelines in the HML programs. from talking to hard money funds especially those who operate in more than 10 states, and 5 years of experience with underwriting teams, I'd actually disagree and say new construction is preferred to rehab due to experience level to enter the market. there's BP lenders that will do 15% LTC with 1-2 new build experience.

Laws seem to be loosening up all the time.I get your point about less things to fix assuming someone is using them.