Closed on door #14 — small multifamily, seller financing at 5.2%. Creative structures are back on the table in this market.

Seller financing at 5.2% is a steal right now. How did you source it — direct mail or broker?

Direct to owner. 90 letters, 4 calls, 1 deal. The math still works if you do the reps.

Commercial lease question: how hard should I push on tenant improvement allowance for a wellness studio buildout?

Push hard. Landlords with vacancy will trade TI for term. Ask for more than you need and give back slowly.

Underwriting a 6-unit this week. Rents are 15% under market — value-add or landlord neglect?

Both, usually. Walk it before you love the spreadsheet.

Anyone bought a small commercial space for their own business instead of leasing? Curious about the trade-offs.

Did it for my office. Cash outlay hurts, but the equity and rent control on yourself are worth it if you are staying five plus years.