I think the main issue is the lack of regulations and transparency in the Business Purpose and Commercial Lending space. 

Quote from @Daniel Sehy: Hey everyone —We’re actively expanding our portfolio into student housing and building long-term buy-and-hold strategies around Tier-2 and SEC campus markets.Target Criteria:80+ units (purpose-built or converted)Within 3–5 miles of campusMarkets with growing student populations and limited new supplyIdeally pre-leased or with some operational track recordWe’re open to both on- and off-market opportunitiesWe’ve modeled our acquisition approach around high-yield, Tier-2 university markets (think: Coastal Carolina, Troy, Kennesaw, Eastern Kentucky) where competition is lower, student demand is steady, and mom-and-pop owners still control a big chunk of inventory.We’re also looking at core SEC metros — Auburn, Columbia, Knoxville, etc. — but only where value and scale align.My ask:Who are the sharpest agents or brokers in your network with real student housing experience (not just MF)?

As a former IT professional I would not recommend storing passwords in any solution that was not designed for that purpose.

Adam, really respect your drive to turn such a tough season into something purposeful for you, your kids, and even other fathers down the road.

The LTV will be lower compared to a primary home HELOC as the lender sees a HELOC on an investment property as a bigger risk and a higher possibility of default compared to a HELOC on a primary home.

It's comparables all seem to be priced at about 320-350 when redone.

- Are terms improving or tightening this year compared to past years?

You can of course use your own money to fund the LLC as a contribution and then have the LLC purchase property directly without financing.Note: This information is for educational and informational purposes only and does not constitute legal, tax, financial, or investment advice.

.- Reality though, is that "all else" is rarely the same as most new homes are built in subdivisions - so, location compared to an older home will be different.Biggest difference is deferred maintenance.Most owners allow their SFR properties to degrade over time to maximize cashflow.

Equity is like the stock’s appreciation, and the dividends are your fixed mortgage compared to rent that keeps rising.