Quote from @Eduardo Cambil: Hey everyone We recently acquired a single-family rental in Decatur, IL through an Agreement for Deed, and now that it’s stabilized and rented, we’re looking to refinance into a DSCR loan.Here are the key numbers:Purchase price: $56,900Current balance: ≈$50,900Market value (conservatively): ≈$75,000Monthly P&I payment: $729Rented for: $1,200/month (Section 8-qualified)DSCR ≈ 1.65Property in great shape — fully rehabbed, turnkeyOur LLC (Wyoming-based, multi-member with EIN) holds the property, and all payments are current and verifiable through escrow.We’re simply trying to find lenders who can refinance small-balance DSCR deals (under $100K) — ideally allowing payoff of the existing land contract and providing a clean title.If you’re a lender, broker, or know someone specializing in this space (Midwest, small-balance DSCR), I’d love to connect and hear your terms.Thanks in advance to anyone who’s done similar deals or can point me in the right direction — happy to share full details privately or through DM.– EduardoC&T Global Solutions LLC (WY) you would be much better off going to a local lender/bank for something of this size.

The single digit percentage optimization is not worth balancing on razors edge all the time.

We had a note on the property with a remaining principal balance of $650,000 (note was at 4% interest fixed with 17 years left).

-------This week, we’re talkin’ the economic data blackout as the government shutdown continues.

I’m based in San Antonio, TX—definitely a solid market for cash flow with a good balance of appreciation and landlord-friendly laws.

With such little visibility into key indicators this past month, the release of delayed economic data will be critical in shaping expectations for the remainder of the year.

I know in any economic system, especially a capitalistic one, there will always be some proportion of people & businesses that don't deal or create anything of any real value.

.-2028 and beyond: 3.4–3.8%, reflecting a modest ramp-up.Here is where NAR sees the strongest absorption and rents:Macroeconomic ContextThe Yardi report provides additional color against strong, expected economic numbers for the second half of 2025.

The distinction matters, since the economics are very different between mid-term rentals and traditional buy-and-hold. 

With economic and political storm clouds seemingly brewing on every horizon, I find myself starting to think a little more defensively.How do I protect what I’ve built?