I’ve done some of my own calculations but since this is unique and the money wouldn’t pay down the mortgage I’m requesting some additional analysis.

For experienced operators, I’m still seeing:• Fix & Flip – up to 85% LTC / 100% rehab in certain cases• DSCR – mid to high 6s to low 8s depending on leverage + credit• Ground-up – 75–80% LTC if numbers support itC...

I’ve passed on a few recently that just didn’t work, unless rents or ARVs stretched.

Some flippers avoid anything deep in unincorporated DeKalb or south Clayton because the exit timeline stretches out.

Over the past year, we hit a pretty rough stretch.

Early on, avoiding a bad outcome matters more than stretching for the highest possible return.

This is a really solid observation—and one we’re seeing consistently on the lending side.Deals that rely on a single “hero comp” at the top of the market tend to be the first ones to feel pressure when timelines stretch, buyers hesitate, or appraisals come in light.

After that I stretch it out more, maybe every 10-14 days for the next few touches.But I also layer in trigger-based touches.

There is not always another clean reset opportunity.Wealth is built by controlled leverage, not constant leverage.If you cannot comfortably carry both properties and all debt through a bad 6 month stretch, you are scaling too fast.Strength first.

So I build in cushion now -- I'd rather close month 5 and feel ahead than stretch to month 6 and be underwater on holding costs.The math is brutal here.