Funny, I had a similar experience when refinancing a few years back. The appraiser actually spent time looking at my new windows and asked about the R-value of the insulation. Didn’t move the needle much on the rate, but it did feel like they cared more than I expected. I get the skepticism—banks can be rigid—but every now and then you run into someone who’s actually paying attention. Maybe it’s a slow shift, but it’s something.
BANK LOAN VS. INVESTOR FUNDING, WHICH MAKES MORE SENSE?
That’s wild, I had a similar moment when we built our place last year. The bank’s appraiser actually noticed our solar panels and asked about the heat pump—felt like a pop quiz on my own house. Didn’t really change the numbers, but it was nice to see someone not just ticking boxes. Still, I lean toward bank loans over investor funding for a home. Investors want a piece of the pie, and I’d rather keep my pie, even if the bank is a bit stuffy sometimes. At least with a loan, you know what you’re getting into... mostly.
BANK LOAN VS. INVESTOR FUNDING, WHICH MAKES MORE SENSE?
Funny you mention the appraiser—had one ask me about our rainwater system last year, and I swear he was more excited about it than I was. I get what you mean about keeping your pie, though. With investor funding, I’ve found it’s great for bigger projects where collaboration can actually spark new ideas, but for a personal build, I’d rather not have someone else’s vision mixed in. Have you ever considered how much creative control you’re willing to give up for cash? That’s always my sticking point.
BANK LOAN VS. INVESTOR FUNDING, WHICH MAKES MORE SENSE?
I totally get where you’re coming from about creative control. Years ago, I took out a small business loan for a home reno project and, honestly, the peace of mind knowing every decision was mine was worth the extra paperwork. Investors can bring fresh ideas, sure, but sometimes their “vision” ends up costing more than it helps. There’s just something about knowing you call the shots—even if it means more risk on your shoulders.
