Here's the deal:4% I/O, 6-year balloon25% down, $650K owner-occupied homeBorrower is primeI guarantee first $75K of lossesEffective LTV ~80% after guaranteeWithout the guarantee, I'd expect maybe 85-90% pricing based on what you said.With the $75K guarantee bringing effective LTV to 80%, could I get closer to 95-98%?

At this stage, the most effective move is to engage a zoning expediter or architect who routinely shepherds Center City projects through L&I, the Planning Commission, and ZBA.

., HOA credits) effectively instead of price reductions?

The rule of “unintended consequences” also leads us to conclude some other effects of buyers paying their agents directly, (without the “work around”) developed by the NAR, which was the original intention of the regulators in suing the NAR.  

No, all the funding is being provided by the private lender.Apparently, the way this works is the DLBA allows the sale under specific conditions, including that the property be renovated to a certain standard within a set period of time.If these conditions aren't met, the DLBA can effectively step in and take back the property.Or, at least, that's my understanding.Anyone have any experience with this?

Those functions are helpful, but they are only a small portion of what effective property management actually is.The most valuable part of property management is physical, on-site oversight.

I don't know how much you frontloaded your whole life policy in this post but your monies can be used in more effective manners usually.

C is just where I am at, the question was not just about C though... a lot of white collar getting hit with slowdown and AI job effects too.

What was replaced, who installed it, what warranty applies, and whether that warranty is actually usable when something fails again.Early on, warranties were effectively useless because:Paperwork lived in emails or invoices that no one could findVendors changed, disappeared, or denied responsibilityPMs or VAs didn’t know what had been installed three years agoNow, everything is standardized:Approved materials list by asset classPreferred vendors tied to specific scopesWarranty info logged at install, not at failurePhotos, serial numbers, and install dates stored centrallyThe key insight is this: warranties only matter if your system can surface them at the moment of failure.

To segue into @Collin Hays point about having good insurance, the most effective way to achieve that is by operating the business well and avoiding conflicts in the first place.