My name’s Caty Deaton — I’m based in Kentucky and work on the dispositions side of real estate investing, helping connect investors with off-market properties nationwide.I’ve been diving deep into wholesaling, creative finance (Subject-To, seller finance, wraps), and multifamily deals.

@Jorge Vazquez I often get inundated with these types of calls after credit pulls, particularly when opening credit accounts at supply houses for building materials, but less frequently when credit pulls are completed for bank loans.

Here is an article about the subject.

Thanks for sharing your thoughts on the subject.

We have multifamily deals come across our desk pretty frequently.

LTV varries by product and Lender, property and borrower risk, location, and more.Fix and flips, generally 85% LTC subject to 70% of ARV.

Once you have the contractor picked and the final numbers, thats when you can get a "subject to" appraisal, which appraises what the property will be worth after the work stated on the scope of work is complete. 

I’d love to hear real experiences — the good and the bad — especially from other out-of-state investors.ChristopherI just wrote with detail about one atUsing Creative Financing To Buy "Off Market" with "Subject To" and "Wraps"https://www.biggerpockets.com/forums/311/topics/1265821-usin... 

This means a portion of the previously taken depreciation will be subject to taxation, effectively lowering your adjusted basis in the property and potentially increasing your taxable gain at the time of sale.

Winter definitely slows things down in many markets, especially in colder regions.A few strategies that have worked for me during the off-season include:Offering slightly reduced rent for longer lease terms (like 15 or 18 months) to avoid winter lease ends in the futureProviding flexible move-in dates or short-term leases that end in spring or summerIncluding small move-in perks like a rent credit or gift card to boost interest without reducing rent across the boardIncreasing marketing efforts and refreshing listings on listing platforms more frequently to stay visibleIt’s all about staying proactive and making your units stand out.