Would love to see an example of some real life qualifying activities and what you're including.

Quote from @Nick DiSanza: Most DSCR issues I see don’t start with the lender — they start before the deal is even submitted.The biggest mistake is assuming DSCR is just a rate and leverage decision, when in reality it’s an underwriting and structure decision first.A few examples I see regularly:– Deals modeled off optimistic rent assumptions instead of what an appraiser will actually support – Taxes and insurance estimated too lightly, especially in states where reassessments jump post-purchase – Choosing a DSCR product that doesn’t fit the property type or market nuance – Treating all DSCR lenders as interchangeable when their expense and rent treatment can be very different When DSCR deals stall, it’s usually because the structure didn’t match how that lender underwrites — not because DSCR “doesn’t work.”Curious what others are running into right now.

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Are you seeing this trend as well?

For example...

Having a clear buy box and realistic numbers seems to make things a lot smoother.Curious what others in Tampa are seeing.

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

Great breakdown — this is exactly the mindset that keeps investors out of trouble, especially in today’s market where spreads are tighter and surprises hit harder.We work with flippers every day, and the ones who consistently win are the ones who underwrite the deal conservatively from day one — especially when interior access is limited or nonexistent.A few things we see successful flippers doing when interior access is limited:1.

@Shakur GrangerAccording to what I'm currently seeing in Greensboro and the Triad, small multifamily is still the most reliable when it's available, but it's thin and extremely competitive.

Quote from @Kelly Schroeder: One thing I see often: solid investors getting stuck because their financing doesn’t evolve.Traditional loans work early on, but as portfolios grow, speed, flexibility, and deal structure matter more.