Quote from @Ray Petteway: I have a commercial loan and already extended it .  

That is partially amplified due to the fact that more of the nicer homes get listed and spring, so that skews the data to some extend.

I am currently debating whether to extend the natural gas to the new units or to install heat pumps.

I’m especially curious how investors are adapting financing to handle extended hold times.

I am concerned if tenant vacates (who is original tenant for last 6 years ever since i bought this property hoping she will extend lease which is coming up in 4 months from now) it will be bit hard to take care of mortgage for many months from money from my pocket.

Yet good sponsors are still closing — by engineering smarter capital stacks, not waiting for rates to fall.Here are 3 structures we’re seeing work right now 👇1️⃣ Senior + Mezzanine LayerWhen banks stop at 65–70% LTC, adding a mezzanine layer pushes leverage up to ~85%.It’s structured debt — not equity — letting sponsors close gaps without dilution.2️⃣ Preferred Equity Replacing MezzWith mezz pricing tightening, many sponsors are pivoting to preferred equity — same position in the stack, but with more flexible terms and upside participation.Often used when senior lenders won’t allow a true mezz note.3️⃣ Bridge with a Construction TailBridge lenders are extending into stabilization periods, giving developers time to lease up or season cash flow before refinancing into perm debt.That flexibility can make or break timelines right now.🧩 Why this matters:Capital creativity is the difference between paused and closed deals.The capital stack isn’t fixed — it’s engineered.💬 Question for the group:What’s the most creative capital stack you’ve closed (or seen) in this market?

Renting to the extended family:This approach could work well if expectations are clearly defined.

Shore up reserves, extend your runway on any variable debt, and underwrite with wider stress bands on rent, expenses, and vacancy.

Also consider if you would extend that courtesy to the buyer when you go to sell. 

Hey Michael, have you tried some range extenders?