r/Realestatefinance • u/ppaloes • 44m ago
r/Realestatefinance • u/ExistingDistance6008 • 5h ago
IRL: Is Loss to Lease even looked at seriously in institutional CRE?!
For those working in institutional CRE (especially multifamily), how much emphasis does your firm place on Loss to Lease? Is it primarily an acquisitions underwriting metric, something asset management continues to monitor after acquisition, or not a metric your firm spends much time on?
I'm asking because I'm taking an online real estate financial modeling refresher course, and the instructor has us calculating Loss to Lease using historical financials (two years of actuals/T12 and the broker's OM). In one of my previous institutional roles, however, my manager felt Loss to Lease wasn't worth spending time on. And at another firm, we never looked at LTL. I'm curious how it's actually used in practice and how much weight firms place on it in real-world asset management and underwriting.
r/Realestatefinance • u/Cultural-Peanut4184 • 16h ago
🏡 HMO Landlords: Is Your Investment Protected for 2026?
r/Realestatefinance • u/Parking-Assistance70 • 1d ago
Getting Started in Real Estate with Little Money
Hello everyone,
I live in Flagstaff, Arizona, and I’ve become very interested in real estate investing. I feel like there are a lot of opportunities here, but I’m not sure where to begin. I don’t have a large amount of money to invest, though I’ve heard there are strategies that require little upfront capital.
I’m looking to learn from people with experience and would really appreciate any advice, guidance, or mentorship. If anyone would be willing to help me understand the process or is open to discussing a potential partnership, I’d be grateful to connect.
Thank you!
r/Realestatefinance • u/Independent_Piano955 • 1d ago
Anyone financed a residential plot through a bank
Loan for residential plot and wanted to hear from people who have already gone through the process.
Could you please share:
Which bank did you choose? (SBI, Bank of Baroda, Canara, BOI, etc.)
What interest rate (ROI) did you get?
What were the processing, legal, valuation, mortgage, or any other charges?
How smooth was the loan approval and disbursement process?
It would also help if you could mention when you took the loan, as rates keep changing.
r/Realestatefinance • u/Sad-Cattle-3245 • 2d ago
Opening sober house, I need help!
I am looking for an individual who can offer guidance or advice to opening a sober house.
I have a realtor willing to let me use his apartment building, 3 floors, 2 bedrooms each, located in Lewiston, ME 04240
I'm currently working on my Mission statement, House Rules, House Requirements, etc..
I will be applying for my sober living LLC within the next 60 days.
Any leads, suggestions, responses are greatly appreciated; thank you for your time!
r/Realestatefinance • u/Parking-Biscotti-361 • 1d ago
Non-Traded vs Public REIT’s
Hi all. I’m looking towards REIT’s as a way to get passive real estate exposure to balance out my investments in the stock market. Based on research it seems like publicly traded REITs tend to move with the market, which doesn’t quite give me the hedge that I’m looking for. I don’t have any experience with non-traded/private REITs but am interested in that as an option. What are opinions on non-traded vs publicly traded REIT’s?
Any recommendations for reputable private investment companies that have long, proven track records?
Thanks in advance.
r/Realestatefinance • u/agntorng84 • 2d ago
Recommend Investment Structure for Land Purchase
r/Realestatefinance • u/Daechiton • 2d ago
Empty Lot that comes with my Standalone Building
I am currently renting a standalone 3200 sq ft building, and my lease comes with about 50 meters x 40 meters (grassy) lot behind the building. The lot is sandwiched between my building and the USPS, and so it is not easily visible from the Highway which is right in front of my building.
I am debating if I should pull the trigger and purchase my building (plus the lot) but I don’t know what to do with the lot. I can build another small business building there but Idk how much that’d cost and if it would be a smart (or risky) business move. Any input would be appreciated. TIA !
edit: I initially posted to sub: realestateadvice, and it got deleted by its mod. If anyone knows a better sub for this discussion, please let me know. TIA
r/Realestatefinance • u/Neither_One5771 • 2d ago
Should we buy a house by the end of 2028? Looking for financial advice.
My wife and I are both in our early 30s and are trying to decide if buying a home by the end of 2028 is the right financial move.
Current situation:
Both co-ops are in my name.
Co-op #1 (Queens, NYC):
Purchased for $360k
Mortgage balance: ~$189k
Interest rate: 2.67%
Co-op #2 (Queens, NYC):
Purchased for $210k
Mortgage balance: ~$168k
Interest rate: 6.5%
Rental income currently covers the mortgage.
Student loans:
Me (FNP): ~$50k
Wife (new grad lawyer): ~$55k
Careers:
I’ll finish my FNP program mid-next year and hope to start working by the end of next year.
My wife starts her attorney position later this year.
Plan:
Start a family around 2028.
Buy a $700k–850k home by the end of 2028.
Considering New Jersey, Connecticut, or Buffalo. We love Buffalo because of the affordability, but it feels limiting. NJ and CT keep us closer to NYC, but home prices are much higher.
Current strategy:
Keep both co-ops as long-term investments.
Potentially use a HELOC on the first co-op, along with savings, for the down payment.
Questions:
Does buying a $700k–850k home by the end of 2028 seem financially reasonable?
Would you keep both co-ops, or sell one before buying?
Is using a HELOC for part of the down payment a smart strategy?
What would you do differently in our situation?
I’d really appreciate any advice, especially from anyone who has balanced investment properties, student loans, and buying a family home. Thanks!
r/Realestatefinance • u/sunshineart15 • 3d ago
How to get business funding
I have been doing real estate for about a year but I'm stuck. Can someone guide me on steps to get $175k in business funding with a 750 credit score.
r/Realestatefinance • u/Kirkwulf • 3d ago
Agent provided by seller
I am trying to buy a building to use for my business. The seller's agent showed me the property and said he could represent me in negotiations with the seller. He said that if I agreed to use his services then a different agent from their company would step in to represent the seller. The seller has offered to do seller-financing. Should I be concerned that the agent would be less loyal to me and more so to the seller? I'm having trouble trusting the situation.
r/Realestatefinance • u/orvillone • 3d ago
Advice for CRE Acquisitions Analyst career path
This career path caught my attention because it seems like a good pipeline to becoming a real estate investor. I'm currently entering my third year of University (UCSB econ).
What do you guys think about this career option? Would I have a good shot at any Tier 1 firms? And what are the necessary steps I need to take to secure a good position out of college (internships, etc.)?
r/Realestatefinance • u/LividLand • 3d ago
free proforma building tool
Hi all,
My team and I recently built a free proforma app for CRE developers/investors: https://www.sawbridgeai.com/proforma-assistant. Would love to hear y'all's feedback on the tool and what we can do to improve the app. Thanks!
r/Realestatefinance • u/encyclobridia • 4d ago
Structuring a 99-Year Commercial Master Lease on a Mixed-Use Building in Brooklyn (Active Water Damage)
I am helping my family navigate a situation with a mixed-use brick building in Crown Heights/PLG area (Brooklyn). It’s a single tax lot with ground-floor commercial and two residential units upstairs.
The building currently has severe active water damage from a roof/window leak that needs immediate remediation. Because the original family wants to retain legal ownership of the residential units to renovate and lease out down the line, we want to pivot away from a traditional outright sale.
A formal condo conversion is too costly ($50k+) and logistically difficult right now given the building's physical condition. Instead, we are considering seeking an investor for a 99-year Master Lease (NNN) on just the ground-floor commercial space. The goal is to get upfront capital to fund care costs and structural repairs to the building's envelope.
Questions for the group:
How common or attractive is a 99-year commercial leaseback to NYC investors for an un-renovated retail footprint?
How should we structure the investor's responsibility for building-wide structural repairs (roof/envelope) so it protects our residential units upstairs?
What legal pitfalls should the original family look out for in a long-term lease like this?
r/Realestatefinance • u/athmitchell • 3d ago
S2 Capital LPs are getting zero back. Would actual proof of what was driving expenses at each property have changed anything, or was this just leverage gone bad?
S2 is winding down its $400M multifamily portfolio fund with no return of capital to LPs.
The investor letter breaking the news cited expenses up 16% on average, interest costs up, and rents down across the portfolio.
The standard take is that this was a rates story but a 16% average expense increase across 20 assets hides a lot.
My question is whether LPs in a typical fund like this could actually see in real time: which assets drove it, which categories moved (insurance and taxes vs. controllables vs. capex creep), and whether the reported numbers tied back to actual payments.
Or does everyone just get an aggregated quarterly (if that?) PDF and then a capital call notice when it flops?
If you’d had property-level rent, expense, and debt service data as it happened rather than 60-90 days after quarter close, would you have done anything differently? Redeemed earlier or otherwise tried to unwind ahead of the investor letter hitting your inbox?
r/Realestatefinance • u/20Thick_A_7122 • 4d ago
Real Estate Returns: How to Calculate Cap Rate, Rental Yield, NOI, and Cash-on-Cash ROI
r/Realestatefinance • u/Exciting_Scale2057 • 4d ago
I have a 1031 exchange
Hi, I have a 1031 exchange that I have to assist my in-laws. I found a Valvoline but dont understand the downside with environmental concern. it is a new build, absolute net and currently at 5% cap. Thoughts on the downside? The lease is good until 2040 and with extensions would go to 2060.
r/Realestatefinance • u/Low-Succotash-7791 • 4d ago