Most of my tenants are high income earners, tech workers and engineers.

I'm debating to use DIY or go through a engineering firm.

I leverage my engineering background to analyze financial projections.

These methods include reverse engineering the loan amount (like that is even remotely reliable?!).  

So here’s two of the basic alternatives: reverse engineer to determine the capital needed in 2035v(don’t forget to account for the devaluation of fiat currency (inflation), decide on a plan to follow which gives you the best shot at obtaining said amount of capital, and unless something “dire” occurs, “work”the plan.Alternative 2: learn all you can about real estate investing, with a foundation of real estate principles, real estate finance, and real estate law.  

The other (better) developers know they can sell by themselves and don't want or need to pay outrageous commissions to get their deals marketed.So basically, you're getting a discount on a purposefully engineered overpriced retail price.

Requiring an engineered deconstruction protocol is a clear message that it needs to be torn down like that mansion in Wellfleet.

But one thing that often gets overlooked is that you can get deeper deal analysis at no cost by leveraging a mortgage broker or lending professional as part of your evaluation process.A good broker already has access to the paid software stack most investors do not want to spend money on, including credit risk systems, property data tools, pricing engines, portfolio-level underwriting, rental tolerance models, DSCR assessments, and more.

Yet good sponsors are still closing — by engineering smarter capital stacks, not waiting for rates to fall.Here are 3 structures we’re seeing work right now 👇1️⃣ Senior + Mezzanine LayerWhen banks stop at 65–70% LTC, adding a mezzanine layer pushes leverage up to ~85%.It’s structured debt — not equity — letting sponsors close gaps without dilution.2️⃣ Preferred Equity Replacing MezzWith mezz pricing tightening, many sponsors are pivoting to preferred equity — same position in the stack, but with more flexible terms and upside participation.Often used when senior lenders won’t allow a true mezz note.3️⃣ Bridge with a Construction TailBridge lenders are extending into stabilization periods, giving developers time to lease up or season cash flow before refinancing into perm debt.That flexibility can make or break timelines right now.🧩 Why this matters:Capital creativity is the difference between paused and closed deals.The capital stack isn’t fixed — it’s engineered.💬 Question for the group:What’s the most creative capital stack you’ve closed (or seen) in this market?

For example, a doctor or software engineer, who makes good money, but does not understand real estate nor finance.