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Meet Bill Rapp

NMLS ID # NMLS # 228246

William Rapp, based in Houston, TX, US, is currently a Capital Advisor at Medallion Funds, bringing experience from previous roles at eXp Commercial, NEXA Mortgage, Viking Enterprise LLC and Sun Realty - Houston. William Rapp holds a 1997 - 2001 BBA in Finance @ Texas A&M University. With a robust skill set that includes REO, Sellers, SFR, FHA financing, Reverse Mortgages and more, William Rapp contributes valuable insights to the industry.

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Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.

27185 Astoria Brook Ln, Katy, TX 77494, USA

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🧠 Master CRE Investing: Buy-and-Hold, Value-Add, or Development? 🏢

💼 CRE Portfolio Strategy Guide: Buy-and-Hold vs. Value-Add vs. Development 📈

Bill Rapp, Commercial Mortgage Broker

March 25, 2025•2 min read

💼 CRE Portfolio Strategy Guide: Buy-and-Hold vs. Value-Add vs. Development 📈

🧠 Master CRE Investing: Buy-and-Hold, Value-Add, or Development? 🏢

In commercial real estate, not all investment strategies are created equal. Whether you're a seasoned investor or just getting started, understanding the differences between Buy-and-Hold, Value-Add, and Development strategies can significantly impact your long-term returns and risk exposure. So let’s break down these three key approaches to help you pick the one that best fits your portfolio goals. 💼📈

📍 Buy-and-Hold: The Long Game

Buy-and-Hold is a classic strategy built around patience and long-term wealth accumulation. Investors purchase stabilized, income-producing properties and hold them for years, collecting steady cash flow while benefiting from property appreciation.

Pros:

Reliable income stream
Tax advantages (including depreciation)
Long-term capital gains potential

Best for: Investors seeking stability and passive income with minimal renovations or operational risk.

🧰 Value-Add: The Opportunist’s Choice

Value-Add investing involves acquiring underperforming properties with the intent to improve them—through renovations, better management, or repositioning—and then increasing rents or property value.

Pros:

Potential for significant profit
Tailor-made projects for market demand
Brand-new assets with lower maintenance initially

Best for: Sophisticated investors or those with strong development partners and access to capital.

💡 Final Thoughts:

Each strategy—Buy-and-Hold, Value-Add, and Development—has its own benefits and risks. The key is aligning your investment style, risk tolerance, and long-term goals with the right approach. In 2025 and beyond, strategic flexibility is essential for navigating shifting interest rates and evolving market trends.

Best for: Those who are comfortable with some risk and have experience managing construction or operations.

🏗️ Development: High Risk, High Reward

Real estate development is the most complex and potentially lucrative strategy. It involves ground-up construction or major redevelopment projects and requires a solid understanding of zoning, permitting, and financing.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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