Any thoughts or suggestions are welcome here!

HI @Kaushik SarkarI would suggest going to the top of the page under LENDERS and then answering a few questions and from there you will be connected with 3-5 lenders and you can discuss whatever you want there. 

In that case she will still need to refinance on her own credit.I would not suggest Sub2 in this case.   

Hey Account Closed - I highly suggest  using a renovation loan and house hacking a multi-family if that is possible with your current life circumstances.The 203k and homestyle renovation loans are just amazing products and drastically help you reduce your risk, in my opinion, because you are able to leverage the cost of the entire renovation with such a low down payment loan.We work with a lot of clients who use these products in Chicago, and no matter what, in the long term, they gain great equity.If you aren't able to house hack - the process is essentially the same, but just with more money down with hard money or conventional construction loan.

Unless a different one would be better that you could suggest   If you are house hacking you can utilize 3-10% down. 20%+ is great to put down but not always possible.

Hey @Patrick Drury thats a great insight, thank you and will look into the areas you have suggested.

Here is a mistake / aha moment: cost segregation studies are worth it, even for a portfolio of  smaller properties!

Tangible personal property identified in a cost segregation study is what allows you to accelerate depreciation.

Originally posted by @Tony Kim:Originally posted by @Reginald Ross:@Andrey Y.Thanks for the suggestion but I’ve already “read the thread”.

We will have lots of renovations and additions to do over the years, so I'm worried that it will be hard to save up for more rental properties.Any suggestions?