We have a somewhat specific wishlist for lending requirements and terms that I will highlight below.

It’s the only place you have to live.I want to start seeing my friends get in better shape every year—not looking like they’re aging faster than a principal-only loan pays down.So, now that I’ve called you out…What are you going to do about it?

These knowledge can be very helpful in terms of negotiation.

The $2,500 payment you proposed is the interest only portion of a 5% loan amortized for 30 years of $600,000 principle.

I’ve seen some short-term rental investors take advantage of this setup by adjusting their listing based on seasonal demand, but I’m curious about real-world experiences.For those of you who have lock-off properties, I’d love to hear:✅ Which strategy made you more money—renting it as one larger unit or as two smaller ones?

They provide lines of 0% credit with an 8% fee, hard money and DSCR loans among others. https://www.rammfinancial.com/Thoughts?

Each town functions a bit differently in terms of how strict they are, codes standards and responsiveness (some towns you can fix issues on the phone some you need to go to the city as they never answer the phone).

For this reason, I typically recommend using series LLCs for single-family homes, where the structure can be more practical, and keeping commercial properties in their own separate LLCs for simplicity and to avoid unnecessary complications.In terms of management, I always advise structuring the series LLC with a separate management entity to address the concerns you raised.

We used an excellent local bank that helped us to get everything we needed for the construction loan and we were able to fund the entire project without investors.

The transition from single-family to multifamily can be a learning process, but with the right approach, it can open up great long-term opportunities.Looking forward to seeing how your journey unfolds—feel free to reach out anytime!