You need to watch the entire market, maybe do some mystery shopping in person.

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

I’m considering a soft 5–7 year refinance/sale window but open to feedback.Does the structure seem fair from both sides?

Document your ratios so you can throttle up while the window’s open.

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

Even if the property was not moved into another entity, the window got closed mid-2025.

Our use is usually just a single sink in a bathroom, but occasionally tenants want/have a slop sink in the shop/warehouse portion of the unit (multi tenant industrial small bay). 

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.

Even if the window/doors are not a common element, I would reach out to the HOA and request a copy of the contract between the HOA and the landscaping company.

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.