Hey everyone, Joseph here. Guy Bouchard told me I needed to be in this group so here I am. Quick background. I spent 14 years in government and policy up in Ontario before I jumped over to commercial real estate. These days I'm on the debt side. I'm a Director of Capital Markets at Corlan.io I'm based in Toronto, the firm is US-based. We arrange debt on deals from $5M to $100M+. Senior, bridge, construction-to-perm. What got my attention was the tagline. Buy it, fix it, refinance it. Everybody loves talking about the first two. The third one is where the plan either works or it doesnt, and its usually the part that gets underwritten last. What rate you're actually taking out at, where your DSCR lands at that rate, how much seasoning the lender wants to see, whether the appraisal backs up the number you put in the model on day one. That's pretty much my whole day. So here's what I can add in here. If you're looking at a deal and want to know how a lender is going to read your refi assumptions, post it or DM me and I'll give you a straight answer. And if its $5M+ and needs debt, even better, thats exactly what we do at Corlan. Looking forward to learning from the operators in here.