Hey @Adolphus Fletcher,When it comes to avoiding personal guarantees on mortgages, especially through an LLC or S-Corp, here’s what I’ve learned:In the beginning, it’s tough to avoid personally guaranteeing loans unless your business has strong credit and a solid track record.

Example search query: "Property of records, county name, State, County".

You’ve made a great point about checking the borrower’s track record on completed projects.

To do this I found you need (1) local type lender that keeps notes in their portfolio, (2) good credit and track record, and (3) leverage at 50% or less.  

In most municipalities you will still be required to pay transfer taxes equal to the properties assessed value even if the property is transferred for a nominal amount plus deed prep and recording fees.

My second slow season I decided not to rent it out because the propane bill to heat the home wasn’t worth the hassle, this last slow season was record snow and many homes lost power and heat for several days, it was categorized as a natural disaster.

I'm familiar with a few areas more east that perform very well and there are some active vacation rentals with healthy income records on the market there as well.

What is the process like to change Cuyahoga County records?

They turned the properties back around in record time and have overall just been great to work with.

There are a number of small fee with purchases and sales such as deed prep, recording fees, etc but they are small and pretty incidental.