.: Hello,I'm new to tax/mortgage surplus funds retrievals, and have been in contact with a homeowner who is willing to work with me.

What is the interest rate on the HELOC?

In doing so, bear in mind that the cost and admin of a corporation is higher and that the tax treatment is different:1.

The cashflow should cove ALL of the expenses for the primary (mortgage, taxes, insurance, utilities, etc) AND put money in their pocket.

Forming an LLC for your rental property can offer liability protection, but no real tax benefit.

A HYSA pays 4.5-5%(before rates went down) pre-tax, 3% net tax if you're a high earner. 

This has made it an attractive investment for some, though high prices and increasing interest rates are currently impacting affordability.Addressing your specific points:High Taxes: Yes, California has high taxes, particularly income tax.

.- Low Interest Rates: Competitive interest rates make property ownership accessible, especially for those with stable income like service members.- Military Presence: With U.S. military bases across Germany, local banks are accustomed to assisting service members with financing.How to Qualify1.

Hello, it is really time consuming for me to analyze each property by manually entering its data to calculate the return.  Is there any software where I can filter out properties below a certain return?  I want to be ...

If the answer is yes, then it's a no brainer to make minimum payments on your 2.8% interest rate mortgage, and use the funds that you would have paid extra to pay it down faster, to either invest in more real estate, the market, or anywhere else where you can get a ROI > 2.8%.If the answer is no, then feel free to aggressively pay it down as fast as possible, to become debt-free faster, and just have a large amount of money in savings or to splurge with.The bottom line is that your 2.8% mortgage is GOOD debt.