I’d start by reaching out to local portfolio lenders (credit unions are great for this) or a broker (me) who does investor loans – they usually have products designed exactly for this situation and do a 2nd position that'll allow you to tap into the equity without touching your 1st. 

There is no logical reason on products.

Mistakes are inevitable in real estate, whether it’s a missed repair in underwriting, a contractor who walks off with a deposit, or poorly executed work.

It raises all rents in poor areas, while not providing enough for rich areas.

Many sponsors are equity-rich but cash-poor, and equity partners are definitely holding the leverage.

The facts do not care that the poors need to live somewhere. 

I do not desire to reward tenants for poor behavior.I explain the consequences of an eviction to the tenant.

It was refreshing to work with someone who understands investors and has a variety of loan products available for more complicated financing. 

I give my thoughts in my weekly Skeptical Take below.My Skeptical Take:I do agree with the direction of Yardi’s analysis, but its economic forecast is a very conservative estimate.It all out ignores what I view as likely accelerated GDP growth in 2026, as new tax policy and an extraordinary AI Industrial Revolution drive productivity gains and fatten both company and consumer wallets (I know that sounds gross, but that is the most likely scenario.

We have been doing this breakdown of the zip codes for 8 years nowGood Luck and Im always available to answer any questions based on my personal expierence over the 23 years selling the product and the last 10 yesars buying the product!