The loan is based on the rental property's cash flow.Beyond the basic debt coverage calculation (typically requiring 1.25x or higher), successful investors focus on:Property selection specifically suited to DSCR parameters (favor steady cash flow over appreciation potential)Pre-purchase strategies to enhance day-one cash flow (tenant improvements, minor renovations prior to appraisal)Strategic entity structuring to maximize borrowing capacity across multiple lendersRelationship development with loan officers rather than purely transactional approachesDocumentation systems proving property performance beyond standard financialsOne particularly effective technique is using shorter-term rentals (STR) in markets with clear seasonal patterns to establish higher revenue for DSCR calculations, then transitioning to annual leases for management efficiency once financing is secured.Another strategy gaining traction is portfolio-level DSCR products, allowing cross-collateralization.

Oregon’s tax policies, quality of life, and public services continue to influence migration patterns, especially when compared to neighboring Washington, where some buyers are drawn by lower income taxes.🔍 What This Means for Buyers & SellersFor Buyers:The uptick in inventory gives buyers more negotiation power.Interest rates remain higher than previous years, but there are lender programs and rate buydown strategies worth exploring.It’s still a competitive market for move-in-ready homes under $600K, especially in family-friendly neighborhoods with strong school districts.For Sellers:Homes that are priced accurately and well-presented are still moving.Stale listings are sitting longer—pricing right out of the gate is crucial.A Comparative Market Analysis (CMA) is more important than ever to avoid overpricing and losing out on early interest.🌿 The Bottom LinePortland's real estate market in April 2025 is healthy, steady, and increasingly balanced.

Run a Commercial Credit Report on the BusinessThis helps assess the company’s creditworthiness, history of financial responsibility, and any patterns of late payments or defaults.If the business has limited credit history (common with smaller or newer companies), you’ll want to lean even more heavily on personal screening.2.

While I can’t speak to neighborhood selection or property security, I can offer insight specifically on tenant screening, which plays a big role in risk mitigation—especially in areas where the applicant pool may be more varied.Here’s what a thorough tenant screening report should ideally include:➤ Credit Report – Useful for seeing payment patterns, debt load, and general financial responsibility.➤ Eviction History – A national eviction search can help identify patterns of non-payment or lease violations.➤ Criminal Background Check – Includes national, state, and county-level records, along with sex offender registries (where legally allowable).➤ Judgments & Liens – These are no longer included on any credit report but are still very relevant—especially for spotting unpaid rent or property damage claims filed by past landlords.

We're the ones who keep those investments healthy and performing after the keys are handed over.When we work together from the start, magic happens.Because a property manager doesn’t just see a property—we see future maintenance trends, rental potential, operating costs, tenant patterns, and long-term performance.And when a realtor brings that perspective into the deal early on, they’re not just selling a property—they’re setting their clients up for success.I've seen it firsthand: the investor who made a smarter decision because their agent said, “Let's loop in a property manager before we write the offer.”That kind of foresight builds trust, confidence, and long-term results.So here’s a thought:💡 If you’re a realtor working with investors, start building those relationships with property managers you trust.And if you’re a property manager, take time to support the realtors who are in it for the long game.Because when we align early, we all win—especially the client.🔗 I’d love to hear how you approach teamwork in real estate.

I know this feels like a gut punch right now, but you’re not out of the game — you're just in a holding pattern that needs a strategic pivot.I’ve worked with dozens of ground-up builders and land investors across Texas and the Southwest, and unfortunately, utility capacity limitations are becoming more common — especially in high-growth areas where cities are trying to catch up with infrastructure demands.🚧 Here’s What You’re Dealing With:Moratorium or Tap Hold: Your city has essentially put a temporary freeze on new utility connections (water/sewer), often due to:Treatment facility limitsInfrastructure funding delaysRegional water agreements in fluxThe good news: These are usually temporary and politically pressured to resolve, especially when development demand is high.🧠 Now… What Are Your Options?

We will research occupancy rates, and report on outcomes.I am disgusted by the accusation, if true, made by this recent member, and while this is the most egregious situation to date, it's part of a disturbing pattern.

I’ve also been looking at utility shutoffs alongside absentee landlord distress patterns, as well as identifying code violations before they trigger official public records.

.✔ Look deeper into financial patterns – Ensure their income deposits are steady and align with what they’re reporting.A credit score alone doesn’t tell the full story, and given the bankruptcy, closed accounts, and self-employment, extra due diligence is needed to make the best decision. 

Columbus for example would be 3 subdivisions, the ones the institution decide to keep or close on get assigned to the subentity for that market and if they are sold to a builder they'd be closed in a double close, if the fund closes them it would be in the subreit. each subreit would allow us to have development values of 500-1000 housing units and each subdivision approx 100 million so up to 300 million per subreit depending if the institution wants to sell the land or build all the houses or do a combination of both. with larger land tracts we can also subdivide into a planned development and have smaller tracts of land carved out for build to rent, apartments, retail, or other uses so we aren't just going to put in subdivisions. most complaints by municipalities deal with wanting mixed use development patterns. this is nothing compared to the urban stuff we have to do.