I’ve had a lender ask for a full inventory list on a property that was just land—no buildings, nothing to inventory. Sometimes I think they’re just checking if you’ll push back or if you’re paying attention. Has anyone noticed lenders caring more about personal liquidity lately, even with strong business assets?
I’ve had a lender ask for a full inventory list on a property that was just land—no buildings, nothing to inventory.
That’s actually happened to me too, and it made me wonder how closely these lenders are actually looking at the deals versus just running down a checklist. Sometimes I get the sense the folks processing these loans don’t really know what they’re looking at, or maybe they’re just covering their bases.
On the liquidity thing—yeah, I’ve noticed a definite shift. Even if you’ve got solid business assets, they seem to want to see a big chunk of cash or liquid investments on the personal side. Is it just risk aversion or are they anticipating more defaults? Makes me wonder if the regulators are leaning on them harder or if it’s just the lenders playing it extra safe given all the economic uncertainty.
It used to be that showing strong business performance and collateral was enough, but now it feels like you need to be ready to prove you could weather just about anything. Anyone else feel like the goalposts keep moving?
Honestly, I get where you’re coming from, but I’m not totally convinced it’s just lenders being clueless or lazy. I mean, yeah, sometimes you get the feeling they’re just ticking boxes—like, asking for an inventory list on a patch of dirt? What are we supposed to do, list the rocks and weeds? But I’ve also noticed that a lot of these folks are just terrified of making a mistake. The higher-ups are breathing down their necks, and nobody wants to be the one who let a “risky” deal slip through.
On the liquidity thing, I kind of get it. The market’s been all over the place, and I think they’re just trying to make sure you’ve got some skin in the game if things go sideways. It’s annoying, but I don’t know if it’s just about moving the goalposts. Feels more like they’re building a whole new field half the time. I guess I’d rather deal with a lender who’s a little too cautious than one who’s asleep at the wheel... but yeah, it does make you wonder if we’ll ever get back to “normal”—whatever that even means anymore.
- Gotta laugh at the “inventory list on a patch of dirt” thing. Been there. I once got asked to provide a floor plan for a property that was literally just a field.
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— No kidding. Every time I think I’ve got the rules down, they add another hoop to jump through.Feels more like they’re building a whole new field half the time.
- I get why they’re cautious, but sometimes it feels like they’re so scared of risk, they forget deals need to actually happen.
- Honestly, I’d rather have a lender double-checking than one who just rubber stamps, but man, the paperwork is getting wild.
- “Normal” is starting to feel like a myth. Maybe we’ll just keep adapting... or start listing rocks and weeds as assets.
Honestly, I’m starting to think the real asset is your patience. Every year it’s a new checklist, new “required” docs, and half the time you’re explaining why a patch of dirt doesn’t have a sprinkler system yet. I get being thorough, but sometimes it feels like they’re just inventing hurdles. I’d rather see some common sense mixed in with all that caution—otherwise, deals just stall out and everyone loses.