Could one could possibly get a higher LTV from a new mortgage similar to a new purchase mortgage.Here is an example.Owner has $700,000 that needs to be satisfied once the mortgage matures.

In 35 years of both extremes of bank lending and private lending, I've never seen anyone finance judgements.

I’ve secured financing with Stock Yards Bank (Term sheet in hand, 6.75% fixed).I am bringing in a Key Principal (KP) to sign on the loan to satisfy the balance sheet requirements, but I want to make sure I offer a fair split.The Question: For a standard KP who is only signing on the debt (no operational work), what kind of GP equity or fee are you seeing in this market?

I’ve secured financing with Stock Yards Bank (Term sheet in hand, 6.75% fixed).I am bringing in a Key Principal (KP) to sign on the loan to satisfy the balance sheet requirements, but I want to make sure I offer a fair split.The Question: For a standard KP who is only signing on the debt (no operational work), what kind of GP equity or fee are you seeing in this market?

I’m genuinely trying to sanity-check:whether people here have successfully done spec builds where land value satisfied most or all of the equity requirement,what types of lenders actually do this today (community banks, builder lenders, private lenders, etc.)

Ideally <2yearsConstraints & AssumptionsGeographic constraint:South Bay HCOL pricing limits feasibility of local house hacking or multifamily purchases.Experience constraint:First investment property.Common advice suggests avoiding out-of-state (OOS) investing initially.Cashflow constraint:Current w2 works now but children wont become cheaperTime constraint:Part-time involvement only (10–15 hrs/week)Problem StatementGiven:High local acquisition costsWarnings against OOS investing for a first deal,A near-term need for cash flowWhat investment strategy best satisfies the 2-year cash-flow goal while aligning with the 15-year independence goal?

That’s extremely frustrating as an owner.At this point:The property has been vacant since July 2025.I have no visibility into collections on the tenant.I don’t receive vendor invoices.Repair costs keep expanding after the fact.I’m being asked for additional funds without substantiation.Overall, this experience has been disappointing and is making me seriously question whether to continue with PPMG.

After I thought I've figured it out im confused again but this is something I need to make sure both end are as equally satisfied that is important to me. 

Second, Yes, you can apply towards w2 only if it is a short term rental, which there are a lot of things that need to be satisfied.

It doesn't matter which part comes first, as long as both are satisfied:1 - The accumulated CF equals is =/+ the cost of the property.