I purchased a mixed-use triplex with the bottom floor zoned commercial. 

That being said, if this is a Heloc for an investment property and not your primary residence, most banks and CU's treat these as commercial LoCs, so the rate is likely be 9-12%.

Keep an eye on the STR regulations, and as you progress, consider diversifying your portfolio with other asset classes like commercial or single-family rentals for added stability.

To have access to the most DSCR options you will want 6 months seasoning.

How do you scale without access to your capital?

And any time a journalist or anyone else claims to know, the first question I have for them is: "If you say that you have access to this accurate crystal ball, then why aren't YOU a billionaire?!"

Some DSCR lenders are stepping up for BRRRR investors with lenient seasoning periods and the 1.0 DSCR minimum, making refinancing much more accessible.

If you're not careful, the administrative requirements can trip you up—but when done right, the savings can be well worth the effort.For those of us scaling our portfolios or actively managing real estate deals, the conversation about structure isn’t just theoretical—it directly impacts how we protect our wealth and position ourselves for long-term growth.What I’ve found is that many investors don’t realize how critical their personal credit is in setting up these entities successfully and accessing the funding they need to operate and grow.

I'll take a guess why Mike got an LLC: the lender required it for a commercial loan.

----------------------------------------------------------------------------------------------------------------I have the cost list for the classes but they state they are tailored to meAll together @ retail - $29,976 without Asset Protection/Entity Structuring - $17,976 Money School Essentials (Virtual 3 day plus 1 year recordings plus access to library)$1891PMC Premier - 1497/PMC Accelerator coaching -2997$5,494PMC RE Performance Bus Tour (12 week RE Coaching) - 7997/VIP Money Tank - 1297 (EACH)$10,591Asset Protection/Entity Structuring $12,000Success Team Tuition - $20,488 WITHOUT ASSET - $12,488 Money School Essentials( Live Virtual 3 day plus 1 year recordings and access to library)includedPMC Premier - 997/ PMC Accelerator coaching - 2497$3,494BUS TOUR/PMC RE 12 week on Demand - 6997Money Tank -2 TICKETS - 997 EACH$8,991API LAW (asset protection/entity/trust)$8,000-------------------------------------------------------------------------------------------------------------------------This has all been over the phone or email.