A simple checkpoint I use is does the deal still hit a 1.25 DSCR at the refi under stressed rates and a higher exit cap, and is there enough reserves to survive the gap if not.Did they disclose the exact loan terms like LTV, IO period, extensions, and whether there was a rate cap in place, and what DSCR did it underwrite to at maturity day one?

Growth funded by hope usually shows up as stress six months later.• Systems before scale.

What you’re describing is definitely a valid strategy, especially for someone looking to preserve capital and reduce stress while still generating reliable income—it’s not rare at all for investors near retirement to shift from appreciation-heavy, leveraged strategies to stable, cash-flow-focused investing.

As a conservative investor, I am personally not comfortable in investing in any of those platforms as I prefer sponsors with a lot more experience, a lot more skin in the game, better fees, a model that can be recession stress tested, etc..

It takes the stress out of remembering all the RTB deadlines and requirements so you can focus on the lending side.Good luck with your investing journey!

Financial independence isn’t just about income, it’s about control over your time and stress.

That's a great way to get yourself in expensive and stressful hot water.

Rate matters, but execution matters more.Heavy due diligence upfront = no surprises at day 45, no retrades, clear terms from day one.For brokers, faster closes mean more deals, less stress, more certainty.What's been your experience with the speed vs. rate tradeoff?

Building your own underwriting model forces you to understand what’s actually driving the deal and lets you stress-test different operating scenarios.

If a deal only works because you’re stretching timelines, leverage, or assumptions, that’s usually worth slowing down and re-checking, if you ask me.Curious how you’re thinking about stress-testing the refi and cash flow on the next one.