Traditionally this time of the year is always slower with rentals and sales - COVID really reset this trend in many areas where the market was "hot" all year round. 

These won't typically be available at traditional banks - go to a broker who will have access to them.To qualify for traditional income documentation loans with lower down payments, you will need to have filed tax returns for your business / self employment income.

Sharing a recent scenario that I think other investors might find useful — especially anyone who’s self-employed or juggling multiple income streams.A homeowner needed to pull cash from their primary residence to renovate their second home, but traditional full-documentation guidelines were pushing the DTI too high to qualify.

Rates are higher than traditional mortgage4.

Inventory is tight, spreads are slimmer, and many local investors are either waiting for better margins or shifting into mid-term rentals, ADUs, and value-add holds instead of traditional flips.That said, we’re still seeing a healthy amount of fix-and-flip activity in other parts of the country, curious what you’re seeing on your end?

For a deal this size, you’ll need to think beyond traditional investors.

Traditional sale will be 25% down with the bank for the whole property.  

You can carry all or part of the sale price, set the interest rate, term, and even a balloon payment.Before doing it, make sure the monthly payments cover your costs (taxes, insurance, HOA if any) and leave a margin for cash flow.Also, consider having a note and mortgage/deed of trust drafted by a professional, so you’re protected if the buyer ever stops paying.Owner financing can be a great way to get higher returns than traditional sales, but you want the numbers to pencil out for you today — not just for the buyer.

I always recommend that people look into senior living as an option.Cassandra lets talk, I am an operator struggling to find traditional financing that gets the asset class.  

.• Financing: If traditional income-based loans are tight, look at DSCR rental loans — they qualify based on the property’s cash flow, not your W-2.