Seems like you would just swap lenders to finance new deals I don't personally see how this happens, unless the lender is tiny, has some kind of capital problem or the deal is just really big relative to the size of the bank Meaning my local single location credit union probably would not be willing to finance a 200mm apartment complex in Miami because it's a risk concentration thing.

Capital concentration ends up being the real constraint, not the rate itself.I also think this is where execution risk gets underestimated.

Underwriting must account for course capex, staffing, and weather-driven revenue cycles.Ski HotelsWhat defines them:Ski hotels offer onsite or immediate slope access, positioning the asset directly within the ski experience.Investor considerations:• Premium ADRs during peak winter season• Strong appeal to destination travelers and group bookings• Limited competitive supply due to geographic constraintsKey risks:• Highly seasonal revenue concentrated in winter months• Dependence on snowfall and climate patterns• Capital-intensive infrastructure and maintenanceInvestor takeaway:Ski hotels are high-yield, high-risk assets.

For example, so far this year at Duckfund we’ve seen a 5.2% increase in EMD financing requests.But where is demand concentrated?

Right now I’m expanding my local network for market analysis and a structured soft start and would love to connect with: • Real estate agents • Wholesalers • Appraisers • Property inspectors • Fix & flip contractors / general contractors • Title companies • Real estate attorneys 📸 Instagram: @immophants_captial If you’re active in the area and open to exchanging insights or exploring future collaboration, feel free to comment or message me.LOVE the market specific niche - by concentrating on limiting criteria you become the EXPERT in your niche ( German nationals investing in NC).  

It’s where you want your risk to live.A flip concentrates risk into a short window.

Office and Retail is a Covid part 2, economic downturn are the big ones.The biggest “oh crap” risks in retail and office are concentrated in a few themes: tenant fragility, functional/locational obsolescence, capex time bombs, and capital markets risk that can nuke your business plan even if NOI looks fine on paper.5.Crexi, Brokers and Commercial Deal Finders- which go out and secure seller financed deals on properties.6.Commonly 5–10 years for permanent bank or CMBS debt, with overall ranges roughly 5–20 years depending on lender and product.

Hypothesized Drivers:Job base concentrated in finance, healthcare, transport, education.Out‑migration from the city to the suburbs—but population outflow isn’t the same as economic decay.Lower pricing relative to coastal metros could offer yield that compensates for slower growth.Key Questions:What parts of Chicago are stabilizing or growing (neighborhoods + suburbs)?

its an interesting part of the "real estate sales" world, because really if you concentrate on finding the distressed deals rather than the buyers, you can drive business as well.

If buying duplexes is still out of your budget, I would concentrate on one of the following strong single family house hack, participating in a deal or even learning bird dogging to raise funds and gain experience without taking on big risks.