We just got updated rate sheets today and rates went up

Week of October 27, 2025The Fed dropped rates again last week — the second cut in a row — and everyone’s asking the same thing: is this the start of a real shift, or just a pause button?

Hey Al,I think the best move is to fund through the 0% credit card first.

If a lender takes 10 days to approve a draw or can’t fund on the timeline your contractor needs, you’re basically financing delays, interest, and change orders.My best results have come from working with lenders who:• approve draws in 24–48 hours• let you submit photos/videos instead of waiting for an inspector• understand ARV-based lending• and don’t nickel-and-dime every line itemA cheap lender who slows you down is more expensive than a slightly higher-rate lender who lets you move fast.

The Fed Funds rate is the short-term rate that banks can borrow money at.

A good lender will keep you out of bad deals as much as they’ll fund the good ones, and building that relationship early makes your first few flips a lot smoother.Haha, I as we like to say, that rate is only as good as their ability to ACTUALLY close on it. 

BiggerPockets Money podcast has mentioned a few times about Pine Financial Group Fund V as a "truly passive real estate" investment.

Don't look now but the FED meets tomorrow and is highly anticipated to reduce the FED Funds rate further by .25%Most Mortgage lenders have already priced this adjustment into scenarios which is why mortgage rates hit the lowest point of 2025 last week. 

I'm not building but have bought 3 new builds this year with permanent financing at 4.25%, 4.25% and 4.75% interest rates that made the 3 properties positive cash flow.

Sometimes the lowest interest rate doesn’t mean the best return.