Our guidelines are relatively conservative, so thankfully our borrowers are already bringing good deals that we want to loan on. 

Run the numbers like a builder, not a landlordNew construction profit comes from tight budgeting + timeline control.Make sure you:• get multiple GC bids• include a 10–15% contingency• stress-test holding costs and delays• underwrite conservative ARVIf the deal still works under conservative assumptions, you’re on the right track.

Stats here: https://canopy.stats.showingtime.com/infoserv/s-v1/nrx6-70DI'd say be conservative with your rental rate, be prepared to be on the rental market for longer than before.

This is relying on a 35% expense ratio, which I believe many would argue is conservative and should be higher.Round Number Case Study:$12,000 Monthly Collected rent$4,200 Monthly Expenses (35% Assumption)$7,800 NOI$7,800/$500,000 = 15.6% cap rate

Traditional financing is just too slow for most flips right now.Private lenders who maintain conservative underwriting are still funding strong deals without much slowdown.

I am always a bit reluctant when it comes to giving advice on here because if I had to error on the side of setting someone up aggressively and having them fail or taking a bit more conservative route and having them be successful I error on the side of conservative.

We’re prioritizing recession-resilient assets.. properties with stable cash flow, conservative leverage, and operators who have strong local expertise. 

In parallel, become a “certain buyer” to wholesalers/agents with a clear buy box, proof of funds, and fast yes/no; say no to anything that won’t cash flow on conservative numbers.

Paid $75,000 for it, put $30,000 in rehab into it, refinanced and rented it, and now it's worth around $230,000 conservatively with $105,000 left on the mortgage.

Before you pull cash, lock your buy box and process: target light or hybrid BRRRs in solid working‑class areas, underwrite to be all‑in at or below roughly three‑quarters of a conservative ARV, and make sure it still cash flows after refi at today’s rates.