Lenders are scrutinizing exit strategies, insurance costs (especially in Florida), and hold period assumptions much harder.

My goal is to use the Binder Strategy that Deon Mcneilly talks about.

Trying to get the real temperature on private money in early 2026.From the deals closing lately I’m seeing:• 10% – 12.5% interest-only• 1-3 points• 7-14 day funding• High LTVs (up to 100% purchase + rehab on solid ARVs)• Works for fix & flips, ground-up, DSCR rentals, acquisitions & refiWhat rates and terms have you lenders been funding at, or borrowers been closing at, in your markets lately?

Buy and hold coliving exit strategy.

Up to this point I have built most of the homes for myself using cash, but it ties up a lot of capital that I feel could be deployed more efficiently if I used financing.For those of you doing new construction and holding properties, what types of loans or financing strategies have worked best for you?

The Oceanside Housing Market in March 2026: Quick FactsBefore we dive into the trends, here is the current state of the market for March 2026:Median Home Price: $845,800 (Stable, up 1.1% YoY)Inventory Supply: 1.9 Months (Critically Low)Average Days on Market: 32–44 DaysMarket Temperature: Seller-Tilted but BalancedAs we move into the Spring 2026 season, the Oceanside real estate market is defying national "cooling" trends.

I see a lot of people using the BRRR strategy on single family homes.

I had a few questions: - Has anyone here split utilities as a value add strategy- Am I correct in underwriting about $6k heat, $6k electric, $2k water for the average 2400-3000 sq foot multifamily?

It's always wise to have a backup plan or exit strategy ready in case circumstances change unexpectedly.

Here’s a strategy I’m always surprised more real estate investors don’t use:If your children legitimately work in your real estate business — things like:social media / content helpprepping a property (cleaning, staging assistance, organizing supplies)admin support or basic bookkeeping tasks…you can pay them a reasonable wage for real work.And that wage becomes earned income, which means they can contribute to a Roth IRA.So you’re doing two things at once:Reducing taxable income in your business (because wages are a deductible expense), andHelping your kids start building tax-free retirement wealth early.When a Roth IRA starts young, the compounding is no joke.