This signifies that these carriers are willing to take on policies that are lower priced and therefore implies that the risk for these companies must be going down.Yesterday, I received an email from Tower Hill Insurance, a long-time provider of insurance in Florida that stated"The combination of the favorable weather and the reduced litigation costs provides us the opportunity to lower rates for our members.

But here’s something most people overlook:  Who you lend to matters just as much as the return you’re targeting.If you’re choosing between lending directly to a real estate investor or partnering with an established private lender, here’s why the private-lender route often carries much lower risk:Diversification.

I have several properties that I would like to refi to lower rates.  

WE lowered rent once for one tenant, it was during the winter and sat vacant, but I think that was in the 1990s, so have not lower rent for anybody since.

Pros: easier to do, no permit required, lower cost, and faster. 

I’ve been talking to a lot of active investors lately, and many are mentioning tighter lending, higher rates, and stricter underwriting.Curious what the community is experiencing.Are you seeing:– Lower leverage?

Quote from @Lydia Winn: I get where you’re coming from — it is hard to get solid tenants in lower-priced homes, and everyone’s looking for ways to create more stability.

I am curious because the data seems to show that mortgage rates are trending lower.

He goes silent until I followed-up and he said he got a quote from Kiavi at a much lower rate and lower fee. 

The lender is also offering a “6-month lender streamline” where, after six on-time payments, they claim they can lower the rate by 0.5% with no fees, no appraisal, and no income/credit check.