@Charlie Martin Buying under an LLC offers liability protection and separates business finances, but it can complicate financing with higher rates and stricter terms, and lenders may still require a personal guarantee, impacting your DTI.For your first property, consider purchasing in your personal name for better loan terms and transferring it to an LLC later if needed, while using strong umbrella insurance to mitigate risk.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

He told me that the only time in his 30+ years that the scammer paid off is when the crook unexpectedly died and had a large life insurance policy that was able to pay off all the creditors.

Talk to your insurance provider to see if this qualifies for a claim.

Louis Insurance Services, or O'Connor Insurance.

If you are going to have trouble with sub to, it will from your insurance company, so I'd tread lightly for sure.

- Always pay for title insurance!

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

I’m almost hoping she rejects my offer because it’s so complicated, but it kinda seems like it could be a win win.We pay $2600/monthI’d offer her $3k/month ($600k @5% 30year amortization) plus I handle taxes and insurance.

Make sure you get the right property insurance policy.