But the truth is, it’s a mixed bag right now, and success really depends on how specific and strategic you get.Near Disney/Kissimmee, you’ll find tons of demand but also massive competition.

Rate matters, but structure often matters more.There’s a world of tools beyond rate shopping that can dramatically change your deal’s economics:Buydowns: Temporary rate reductions (like a 2-1 buydown) that ease you into full payments.Seller credits: Negotiate to have the seller cover closing costs or fund your buydown.Adjustable-rate mortgages (ARMs): Useful if you plan to refinance or sell within a few years.Interest-only periods: Boost cash flow early, especially on value-add projects.Example:Let’s say you take a $300,000 loan.

If you ever want to talk shop, compare notes, or explore ways we can help each other’s clients, I’m here.Looking forward to connecting more inside the community.

Any mortgage lender should be able to do a VA loan' so I'd shop around.

Inventory dipped to 1.52M but remains well above last year’s levels.Why this matters: These closings reflect buyers who shopped in August/September — before rates improved.

Seven of nine categories saw growth, led by clothing, sports gear, and online shopping.👉 Bottom line: Consumer spending is still holding up — a good sign for the broader economy and another reason the Fed may not rush more cuts just yet.📅 What’s Coming Up This Week• Homebuilder confidence (Tuesday) • Existing home sales (Thursday) • The long-delayed September Jobs Report (Thursday)Catch you next week, Derek Brickley #LoansbyDB

So, owners mistakenly think price is the only differentiator – and look for a PMC like they’d shop for groceries☹We encourage you to learn from the mistakes of others by reading posts here on BiggerPockets from owners that picked a PMC solely by price and regretted it.We recommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Even if someone gives you a referral, do NOT make the mistake of assuming that just because a PMC met their expectations, they’ll meet your expectations.

With that much equity and a solid rate, I’d preserve the first mortgage and add a second: shop local banks/credit unions for an investment‑property HELOC with draw‑as‑needed and interest‑only terms, or a closed‑end home‑equity loan if you want fixed payments; avoid a full cash‑out refi that resets your great rate.

The City Council is voting Tuesday on a $342 million Railyards development including:- New soccer stadium for Republic FC- 3,600-seat live music venue (transforming historic Central Shops)- Mixed-use entertainment district with housing, retail, commercialMajor capital is flowing into Sacramento's Railyards.

If you weren't living there you could get a dwelling policy that only covers the building (since the contents wouldn't be yours.).I would go with an independent insurance agent, because they can shop a number of insurance companies for your best rate, whereas if you just went with a "State Farm" or "Geico" type company you will just get their one rate.