Some lenders might allow you to add renovation costs to the loan to help you finish the project and avoid a loss.Explore Other Financing Options: If your hard money lender isn’t flexible, you might consider private lending or even a joint venture with another investor.

You can buy US Treasuries right now and some CDs and get 4.5+% return while maintaining the flexibility of keeping low cost debt on the properties. 

I would not, however, bet on shipping rates staying this low over the long term.They have all the plumbing and electrical built into a centerpiece.This the sort of problem you'll face.  

You bet--i sent you a connect request w/my info if needed--best

Using an FHA loan with a 3.5% down payment allows flexibility in budget planning.

Honestly, the conversations I've had with my clients that are debating the portfolio v. single asset refinances have landed on how much do you value flexibility.

Johnny, I know exactly which lender your working with.I am going to tell you, there are better options.Look around a bit, That prepay is 5% fixed for 3 years.I wouldn't pay 22k to buy a rate down in a decreasing rate environment.A 7.75% on a 3,2,1 declining prepayment is a better bet. 

That just tells me real estate must just be a safer bet than dental offices from an investors perspective, which is great as I'm moving away from dental.

The flexibility worked out better for them in the long run.Here’s the thing though.. if you’re really gunning for the 60% bonus depreciation in 2024 before it drops to 40%, you might want to negotiate with the seller to honor those existing rentals only until mid-December, like you mentioned, and take over self-management for the last few weeks of 2024.

CAR forms and attorneys are going to be your best bet.