Hello everyone,My name is Kaleb and I operate Andrew Signature Homes, a custom home and barndominium building company working across Tennessee, North Carolina, and South Carolina.Our business focuses on build-on-your-land homes where clients already own land and we handle the full design-build process.

Also, one last thing is smart agents know they make way more money with a customer who has great experience and tells their network vs having a client bid up and feel they got taken advantage of...

Just spend your energy getting the COA right and the rest becomes much easier, regardless of which tool you choose.

bought a house for 250k in 2020, did substantial renovations including adding full bath from scratch, moving/replacing a 1920s staircase, new flooring, energy efficiency, etc.  

Hi All,i have a website that has been underperforming, but that is because I haven't put enough time and effort into learning more about SEO and done more to customize it.

They all pay for whatever energy that they personally use. 

In Chicago, the main rule right now is energy benchmarking for larger buildings under the Chicago Energy Benchmarking Ordinance.

Cost of capital moves first.Global conflicts introduce uncertainty, which pushes money toward safety (treasuries, energy, defense sectors).

Customer base- youth.  

I’m working through the capital stack on an 18-unit stabilized workforce housing property in Pecos, TX (Permian Basin) and would appreciate input from investors who have closed similar 5+ unit deals in energy-driven markets.This is strictly a commercial structure question — not a 1–4 unit DSCR scenario.Property Snapshot• 18 furnished units + manager residence• Built 2017• Workforce tenancy• Stabilized operations• Permian Basin locationCurrent Deal Structure• Purchase Price: $800,000• Appraisal: $1,200,000 (as-is)• Senior Loan Target: $520,000• Senior LTV: ~43% of appraised value• Seller Carry: $280,000Seller note terms:• Fully subordinated• 0% interest• $1,200–$1,500/month principal payments• Balloon 36–48 monthsFinancials• Normalized NOI ≈ $100,000• DSCR at requested leverage >2.0x• Even under stress (~$75K NOI), DSCR >1.6xFrom an asset perspective, leverage is conservative.The QuestionFor those who have closed small-balance commercial deals in Texas:Have you seen regional portfolio banks lend based on appraised value vs strictly purchase price in similar scenarios?