Quote from @Craig Jones: Just want to point out that timing has a quantifiable monetary value.

They are a younger company relative to other mortgage lending institutions and have been very active in the fix and flip and DSCR space. 

We got hit with a lot of fraud 1-2 years back and instituted ID check.

-Monetary Policy: Fed expected to continue short-term rate cuts into 2026 to address labor weakness and sticky inflation; however, long-term rates remain high due to fiscal pressures, with rising 10-year Treasury yields a key risk for multifamily cap rates and valuations.

If someone is NOT using their balance sheet, it is very very very rare they have "special" terms because they are selling one of the products from the institution.

Our dollar is losing value so you need to be with a solid operator in institutional assets that cashflow in markets while hedging inflation with tax benefits. 

When a borrower takes a loan with interest, they effectively become a steady source of income "Cash Cow" for the financial institution.

I recently began my journey as a Mortgage Loan Officer with loanDepot, where I help clients find the right financing solutions for home purchases, refinances, and investment properties.Before transitioning into mortgage lending, I spent years in institutional finance and trading, where I developed a strong foundation in markets, risk management, and client service.

@Jason TerrellThe foreclosing institution can pass the responsibility for title V compliance to the buyer and you will be responsible for compliance AFTER conveyance.  

I do not see any major shifts and more private money getting into the Mix as institutional capital is so much larger and has so much more capital than private investors