Hey General REI, First time posting here. Trying to get a real pulse on the private money market in early 2026. From the deals closing lately: • 10% – 12.5% interest-only on solid projects • 1-3 points • 7-14 day funding • High LTVs still possible (up to 100% purchase + rehab on good ARVs) What rates and terms have you been getting funded at lately? Especially curious about Florida/Southeast numbers. Better, worse, or same as last year? Drop your real experiences below, good, bad, or ugly.