

Real estate investors acquiring non-owner-occupied property
Fix & flip and value-add projects
Long-term rental investors
Small-to-mid-size commercial and multifamily owners
Buyers and sellers exploring seller-financed or private note structures
Note conversations investment-only
a private capital source or
A seller is open to carrying part or all of the price
Traditional leverage is limited
The property is unique or transitional
Speed and flexibility matter more than retail rates