I always aim to bring more than just a quote to the table—whether that’s strategic advice, local connections, or just being someone reliable in your corner.Outside of insurance, I’m diving into the investment world myself, especially small-to-mid-sized multifamily.

It’s a structural one.Why it’s happeningBuilders have tools individual sellers do not:• They can buy down mortgage rates into the 3’s-mid-5s while resales are stuck at 6.5%+• They can offer closing cost credits without triggering appraisal issues• They adjust pricing based on absorption rates, not emotions• Inventory carries measurable costs for them, so they act fasterMeanwhile, resale sellers are slow to reprice and anchored to peak-era expectations.That creates a pricing gap investors aren’t used to seeing.The investor angleFor most of the 2010s, investors avoided new construction because it was more expensive, taxed higher, and offered no rent premium.

Many investors aim for an 8–12% CoCROI, but the target can vary based on the market, risk tolerance, and whether it’s a single-family or multifamily deal.

However, we have 2 large military installations that make up a measurable percentage of our city.  

You will find that which you measure you will improve.

What are we aiming for these days?

They just want to ensure you can make the payments.Your DCR should measure financial resilience — the property’s ability to pay everything and still leave you with a profit.Savvy investors underwrite for a minimum 1.25–1.30 real-world DCR after including all the expenses above.

Aim for multiple exits: live in one, rent the rest long term, and consider adding value with separate utilities or storage.

You should be very realistic about the ARV for the property you aim to purchase to ensure that you have at minimum 20% cushion in your rehab budget. 

Measure impact, not just returns.Track your wealth, yes - but also track your lifestyle.