At Rose City Realty Inc., we believe that every borrower’s situation is unique. Because no two borrowers are alike, a solution is personally tailored to match each client’s desired loan structure and time horizon. The personal desires and/or business plan of the client is also considered, as they may be the impetus for financing. Accordingly, we carefully assess each borrower’s goals to determine the best strategy that suits their needs. Many clients hold properties through a five to seven-year real estate cycle with the intent to buy at a discount, to add value to the asset, building equity, or divesting the property at the appropriate time to reinvest the proceeds into another project. Therefore, this type of client is not a candidate for a long term fixed rate loan product. Instead, they may be a perfectly suited for a bridge loan or a 5-year fixed rate product. As such, it makes sense to assess each client’s business plan as their holding periods may differ.