The right loan structure can make or break the profitability of a deal. 

Hey @Gabriel Shapira, great to see you active in Columbus — strong rental demand, solid appreciation pockets, and plenty of value-add opportunities if you’re underwriting right.Since you’re investing out-of-state, having the right team locally is everything — contractor accountability, boots-on-the-ground inspections, and agents who truly understand investor metrics (not just retail comps).If funding is ever part of the equation, we’d love to be a resource for you.We move quickly and structure loans around investor strategy — especially helpful when you’re competing remotely and need strong, reliable execution.

I need some feedback on what I should do.Loan Details:Amount requested: $150,000Interest rate offered: 9%Payments: Interest-onlyMonthly payment: = $1,125Term: 5 yearsNo prepayment penaltySecurity:Personal guaranteeSecond position lien on a property in FloridaProperty value approximately $300k ( 85k in equity)Purpose of the Loan:The funds will be used to consolidate existing debts into one structured payment, improving overall cash flow and simplifying repayment.Why This Works:Predictable monthly paymentsStrong incentive to refinance once equity increasesLong-term property ownership provides additional stability

Even with construction experience, underwriting rental returns, understanding financing structures, and managing risk all take practice.

Scope includes:-Triplex conversion-Full mechanical separation (electrical, HVAC, plumbing)-Additional kitchen installation-Structural flooring work-Exterior completion work-Full interior buildoutTotal construction budget will be substantial, and I’m looking for a GC who:-Has experience with multifamily conversions (not just single-family rehabs)-Understands Indy/Marion County permitting-Can manage subs across trades-Is comfortable with bank draw schedules-Runs organized projects with realistic timelines-Is transparent on pricing and contingencyI’m planning to hold long-term (if possible) and want to build a relationship. 

Thought I'd share what moved on my end this week and curious what everyone else is working on.This week's highlights:Cross-collateralized portfolio cash-out (75 LTV)4-property bulk cash-out refi (70 LTV)NJ SFR cash-out with limited tradeline borrower (75 LTV)$3MM Miami bank statement purchase @ 6.5%Brand new Miami condo rate/term refi underwriting to STR incomeElizabeth NJ STR cash-out (70 LTV)TN SFR cash-out on bank statement program (75 LTV)$4MM+ Malibu cash-out refi on bank statement (65 LTV)Portfolio plays, bank statement scenarios, high-balance deals, STR structures - good variety this week.Questions for the BP community:For investors: What did you close this week?

A simple keyword search will also pull up years of discussions on rates, points, fees, draw structures, and underwriting standards.There is no universal rate.

Timing matters, and having the right lending structure in place can make or break the project. 

They’re less typical, and my developer background helps me understand where deals usually bottleneck, income structuring, entity setup, cash flow analysis, appraisal risk, so I’m comfortable navigating the friction instead of referring it out.

The revised structure is meaningfully safer than where you started.