I've built out a plan with a family member who is in lending who is going to be able to help us refinance our home, lower our monthly payment from what we currently have and reopen a new HELOC to tap into more equity we've built with improvements (bought our house for a steal years ago). 

That practice builds muscle memory fast.

Others are more patient, preferring to wait for the lower-cost option.Which camp do you fall into?

Does anyone have an experience with lenders that allow lower minimums.

The sweet spot is getting a favorable prepay and taking advantage of the lower rates, especially if you are constantly extending a bridge loan. 

.: Lol...You don't need the muscle shirt or to shave your head 😂😂  I'm still trying to figure out who the gurus are wearing muscle shirts and shorts. 

Self-reliance is something you can cultivate and train like a muscle.

Oh, we are still so much lower than the standard 12 & 2 the borrowers could get locally.

I’ve spent the last 10+ years working hands-on in new home construction, remodeling, and residential project management.Recently, I launched Roman Property Developments (RPD) with the goal of transitioning into investing—starting with wholesaling off-market deals and eventually growing into new development projects.I know I’ve got a lot to learn on the investing side, but I also believe my construction background gives me a leg up when it comes to evaluating properties, estimating repairs, and seeing the potential in undervalued deals.Looking to connect with other investors, buyers, and pros here in Michigan.

Seattle which he shied away from has lower cash flow/cap rates specifically because it is lower risk.