We do soft credit pulls only. 

Strategies you’ve seen for bridging cash flow in a soft rent market without over-leveraging?

Work funding and deal flow in parallel: secure soft capital options and have a lender conversation now, then double down on finding deals within a tight buy box.

High interest rates (9.25-11.5%) necessitate holds under six months to protect margins, and soft costs like $10k Orange County permits require careful budgeting.LTV Ratios: 65-90% of purchase + 100% rehab (up to 75% ARV); newer investors get 60-70% (e.g., Titan Funding), while pros secure 90% LTC (Ridge Street Capital).Holding/Closing Costs: Often rolled in (2-3% closing + $5-7k/mo holding); a Clermont flipper rolled $15k into a $250k loan, raising rates 0.5%.Points: 1-3 upfront, 0-2 backend (2-5% total); a Leesburg deal paid 3 points ($9k) for a 7-day close.Creative Structures: Seller carry-back (10-20% down, 4-6% rate), subject-to (0% down in Maitland), or 50/50 JVs with GCs ($80k profit on $500k Clermont flip).

The Program in Massachusetts (Soft Second Mortgage) will provide a subsidy if your income is below 80% of the area median income. 

There are managers deserving of that title, but just as you can’t paint all passive investments as bad, the same broad brush shouldn’t be painted on the managers either.Maybe just another reason why I believe that manager selection is more important than the deal itself.

Derek, they had a soft credit check completed today and it came back at 468 I believe. 

In practical terms, you should budget both time (six to eighteen months is common, depending on jurisdiction and scope) and money (soft costs for mapping/legal/fees plus whatever hard costs it takes to meet code).Value-wise, expect TIC interests to trade at a discount to similar condos before conversion—financing is scarcer and some buyers are wary of the structure.

This is because the top surface layer is actually quite stiff, while the top layer of traditional sheet vinyl for instance is very soft.The upside is it is really soft and cushiony (lol that's not a word is it?)

Many of these were part of our early access program and received information on the project before the webinar, but overall because people know we sell out right away they submit their soft commit, and then do their due diligence before wiring their money.