As far as the legal question, schedule a call with an entity attorney and ask them the proper structure to protect yourself.

This means it won’t affect your credit score or show up when you apply for personal credit in the future.Flexible Terms for Investors: Since DSCR loans are designed for investors, they tend to be more flexible in terms of documentation and loan structure, making them a smoother process compared to traditional loans.This option sounds like it could meet your goals for separating business from personal while unlocking equity in your property.

Hey BP, I'd like to learn more about a purchase structure I don't hear about often: just a straightup option to purchase or purchase option agreement (NOT a lease option). 

DSCR loans don't require personal income verification or a debt-to-income ratio, making them ideal for properties with strong cash flow, even if the current owner has credit issues.Here's how it could work:You could use a DSCR loan to refinance the hard money loan, securing more favorable terms without having to involve the seller's credit.Since the rental income easily covers the property’s debt service, you’ll be in a good position for lender approval, bypassing the conventional mortgage route.This approach could allow the owner to stay in the house, while you take over financing with a less restrictive structure.

As long as the expenses in the 401k are not abnormally high, investment returns should be similar if you're comparing like investments.  

There are new laws affecting California transactions in 2024, some of which are very relevant to investors and house flippers.According to the California Association of Realtors, starting July 1, 2024 most 1-4 unit properties that are resold within 18 months (aka flips) must disclose:- repairs, renovations, room additions and structural modifications that were performed by a contractor with whom the seller entered into a contract- the name and any contact info for the contractor for any work over $500- any permits obtainedSo you still can be an HGTV star, just make sure you do it by the book. :)Have any of you flipping in the Los Angeles area been affected by these new disclosures?

The inspector checks the plumbing and electrical systems, the roof, the foundation, the HVAC system, and the general structural condition.

I’m going to begin moving to a 60% real estate concentration.Wondering how others have their investments structured.  

This includes hiring an inspector to check for structural problems, arranging for a pest inspection, and getting a professional appraisal to ensure the property's value matches the bank's asking price.

I have an LLC structure, but I own a rental held in my personal name.