Are you facing challenges with a maturing loan or an upcoming balloon payment on your investment property?

What’s becoming more clear time after time is :Columbia is quietly maturing into a very favorable market for ground-up construction.✅ Why I like the Columbia market right now:Steady population growth (thanks to the University of South Carolina, healthcare, and military presence)Strong rental demand with limited new inventoryI’ve been seeing traction with new construction rental products, in both Richland and Lexington counties. 

I've seen nearly identical strip centers priced wildly differently purely because of tenant quality and lease structure.The NNN leases are a game changer, no more getting calls about leaking sinks or broken HVACs (as long as it's spelled out right in the lease).

Yes loan will be maturing in October. 

Term SheetInvestor Contribution $281,494Use of Funds Escrowed and disbursed directly to lienholders to ensure title clearanceProperty Valuation Floor 700,000.00Investor Equity Share 40% of net appreciation above valuation floor, payable at exitExit Trigger Sale, refinance, or 10-year maturity (whichever occurs first)Security Instrument Recorded HEA agreement, subordinate to primary mortgage ($306,020)Investor Position Subordinate to mortgage; senior to seller equityClosing Timeline 30–45 days from investor commitmentDue Diligence Access Full access to property disclosures, listing activity, and lien documentation.Strategic RationaleLast 12 months: ~8.68% appreciation—slightly above national averageLatest quarter: ~1.61%, which annualizes to 6.61%High Equity Potential: Estimated $281K in equity post-lien clearance.Market Momentum: Active listing with strong visibility and buyer interest.Risk Mitigation: Investor position secured by recorded agreement and valuation floor.Resulting in liens of $281,494 (investor) and $306,020 (Mortgage) is $587,514Yearly Breakdown:Year 1:Property Value: $700,000 × 1.06 = $742,000Net Appreciation: $742,000 - $700,000 = $42,000Investor's Share: $42,000 × 0.40 = $16,800Year 2:Property Value: $742,000 × 1.06 = $786,520Net Appreciation: $786,520 - $700,000 = $86,520Investor's Share: $86,520 × 0.40 = $34,608Year 3:Property Value: $786,520 × 1.06 = $833,711.20Net Appreciation: $833,711.20 - $700,000 = $133,711.20Investor's Share: $133,711.20 × 0.40 = $53,484.48Year 4:Property Value: $833,711.20 × 1.06 = $883,733.87Net Appreciation: $883,733.87 - $700,000 = $183,733.87Investor's Share: $183,733.87 × 0.40 = $73,493.55Year 5:Property Value: $883,733.87 × 1.06 = $936,757.90Net Appreciation: $936,757.90 - $700,000 = $236,757.90Investor's Share: $236,757.90 × 0.40 = $94,703.16Year 6:Property Value: $936,757.90 × 1.06 = $992,963.37Net Appreciation: $992,963.37 - $700,000 = $292,963.37Investor's Share: $292,963.37 × 0.40 = $117,185.35Year 7:Property Value: $992,963.37 × 1.06 = $1,052,541.18Net Appreciation: $1,052,541.18 - $700,000 = $352,541.18Investor's Share: $352,541.18 × 0.40 = $141,016.47Year 8:Property Value: $1,052,541.18 × 1.06 = $1,115,693.65Net Appreciation: $1,115,693.65 - $700,000 = $415,693.65Investor's Share: $415,693.65 × 0.40 = $166,277.46Year 9:Property Value: $1,115,693.65 × 1.06 = $1,182,635.27Net Appreciation: $1,182,635.27 - $700,000 = $482,635.27Investor's Share: $482,635.27 × 0.40 = $193,054.11Year 10:Property Value: $1,182,635.27 × 1.06 = $1,253,593.39Net Appreciation: $1,253,593.39 - $700,000 = $553,593.39Investor's Share: $553,593.39 × 0.40 = $221,437.36

PROBLEM; When the 12 months maturity date came due in 2025 the borrowers COULD NOT pay off the $27K 2nd lien So the Investor lender agreed to FULLY AMORTIZE out the $27K over a 60 month (5 year) period of time with monthly installments.

You are going to get most of your bookings through VRBO or Airbnb, and neither of them confirm identity. 

Mature platforms tend to be more complete, better tested, and have a larger user base.

Purchase price: $430,000 Cash invested: $70,000 Sale price: $1,035,000 Four cabins on the Shenandoah River in Luray, VA, each identical 1 bedroom, 1 bathroom, 600sf with a 250sf covered patio.

A identical building on the same street just sold for 300k.