That means they were trying to make more then they should have hoping they would not shop but got "caught", and had to lower their margin to market.

Rate matters, but structure often matters more.There’s a world of tools beyond rate shopping that can dramatically change your deal’s economics:Buydowns: Temporary rate reductions (like a 2-1 buydown) that ease you into full payments.Seller credits: Negotiate to have the seller cover closing costs or fund your buydown.Adjustable-rate mortgages (ARMs): Useful if you plan to refinance or sell within a few years.Interest-only periods: Boost cash flow early, especially on value-add projects.Example:Let’s say you take a $300,000 loan.

There’s definitely a strategy to applying for business credit to avoid alerting other lenders that you’re shopping for credit.

Don't look now..but mortgage rates are down by a considerable margin compared to this time last year. Of note - are commercial loan and mortgage rates. We sold a large multi family complex in Q4 of last year that only...

I have heard airdna.co is the gold standard for this...but it often doesn't match what I'm seeing when I comp shop properties in the area on airbnb.

I'm particularly passionate about Louisville, KY and surrounding areas.Outside of real estate, I enjoy traveling, shopping and spa days.Excited to learn and connect with you all!

Check out my profile and let me know your REI goals for 2026 be great to talk shop!

OP  just be careful shopping for money do not pay anything  up front.

If you weren't living there you could get a dwelling policy that only covers the building (since the contents wouldn't be yours.).I would go with an independent insurance agent, because they can shop a number of insurance companies for your best rate, whereas if you just went with a "State Farm" or "Geico" type company you will just get their one rate.

I spoke with the lender and it appears the broker shop that was able to do this is currently signed-up as a Correspondent.