Short-term capital is extremely effective when the exit is clearly defined upfront.From a lender’s standpoint, the biggest safeguards I look for are:A realistic timeline (with buffer) for rehab, lease-up, or saleA clearly executable exit (refi, sale, or take-out lender already identified)Conservative leverage, especially on heavier value-add projectsBorrowers who understand holding costs and don’t rely on best-case scenariosWhere investors get into trouble isn’t the cost of short-term capital — it’s when delays stack up and there’s no margin or backup plan.Used properly, short-term funding is a tool to create speed and opportunity.

Electrical systems will be mostly grounded and if you do need to update electrical it's possible you might need to only run a few extra lines or update your panel which is not tens of thousands of dollars but a couple of thousand dollars if some plumbing is older it could just be the lines going to your fixtures as opposed to replacing the entire stack.

I was quoted an up front fee (~$2000) to retitle everything into the trust including eligible investment accounts in addition to my real estate and then a $500/yr maintenance fee (not sure what the purpose of this fee is).  

Leases are legal contracts and the ramifications of poorly or vague language regarding late fees, early terminations, breaking the lease, re-let and the costs associated and "double dipping" in our state are very vague and there is statues that discuss "reasonableness' in accessing fees.  

LTVs are tighter, interest-only periods shorter, and extensions usually need fresh equity or recap.Deals that stumble aren’t usually the property itself, it’s absorption, construction execution, or gaps in the capital stack.

There are lots of options out there but expect to only be able to tap 65-70% of the equity and fees will be a bit higher than normal.

Cash out refinances capped at 75% but average lender fees for SFR in PA would be the higher of $4,855 or 1.5% of loan amount + $1,855. 

I'm trying to understand the typical tech stack for a small lending office that has, say, 20-100 investors in a pooled fund.What I'm hearing so far:- QuickBooks for business accounting (expenses, taxes, etc.)- Excel for investor tracking and interest calculations- Separate system for loan servicingIs that the standard setup?

I'm interested in knowing what options there are for alternative financing (stay away from $5,000 closing costs, ridiculous fees).

As a lender myself, I was curious about their upfront fees.