:\You will always know if it's ACTUALLY a portfolio loan because it'll be an ARM with super high interest rate / points.

Thanks for the explicit response.

Most commercial lender will offer 5-7 yr ARM or balloon, and might look for a few yrs of experience from the investor.While residential portfolio loans can give you 30 yr fixed and don't need experience.

Hello BP, How do you go about dealing with damage to the property that is caused by the tenant, but can't be explicitly "proved"? 

Arm yourself with the info, as much info as you can hold, about your investment strategy.

My current mortgage interest on properties is as follows;Investment Property1: 3.25% (30 year fixed)Investment Property2: 3.25% (30 year fixed)Investment Property3: 3.75% (30 year fixed)Investment Property4: 3.875% (5/1 ARM.

Or contact hubzu. those that went underwater are all banked owned, it was explicitly stated...

I am hoping to get some ideas on the best way to go about it.Current mortgage: 1250/month FHA 5-1 ARM (3 years in) Refinance option 1:30 year 5.875%, 1400 closing costs, 17k cash out, 1440/month Refinance option 2: 30 year 4.625%, 7300 closing costs, no cash out, 1258/month Refinance option 3: 30 year 5.25, 3500 closing, no cash out, 1307/month Thanks for your time, I appreciate your help!

The best product they could offer me was a 5/5 ARM.

I'm neither a lawyer nor an accountant, but I recommend Googling "closely held corporation" and then asking your tax accountant how, if any, the proposed idea might impact your overall tax situation (https://www.irs.gov/faqs/small-business-self-employed-other-business/entities/entities-5: A closely held corporation is subject to additional limitations in the tax treatment of items such as passive activity losses, at-risk rules, and compensation paid to corporate officers.).I've read that when two closely held corporations owned by the same small group of shareholders do business with each other, the IRS sees a red flag because some people try using this approach to evade taxes.From my readings of personal finance articles, this additional scrutiny is based on whether there is an "arms length" between the two parties in a transaction.