FYI - not legal advice.If it's not a formal assumption and it's a straight sub-to, typically the seller remain personally liable for the debt if the investor defaults.Essentially, what can the investor do better than the seller after refinancing the property? 

Is that 4 rental units with one being smaller than the others because it does not include my personal residence space? 

Personalizing your message to the individual recipient is the best way to avoid this.

@Adrian Lammersdorf-SciollWhy does everyone want to chase strangers – and ignore their own personal network?

Their capital gain would be reduced to $500,000, and after the same $250,000 exemption, they would only owe taxes on a $250,000 gain—resulting in a significantly lower tax bill of roughly $55,000.This discrepancy effectively punishes long-term homeowners who have remained in their properties, disproportionately affecting those who may now find their homes unsuitable due to aging, changing lifestyle needs, or financial strain.The capital gains tax exemption of $250,000 per person ($500,000 for married couples) has remained unchanged since 1997.

It is right here: https://content.enactmi.com/documents/calculators/2025%20%28...AS mentioned above you will need to send your 1120-s and your K-1 (all k-1's if you happen to have more then 1) as wells as your personal returns.

So I have recently come into the fork in the road where I am trying to dial in my career to align with my personal and professional goals for the future.

You'll have to personally guarantee the loan, which is no big deal.

There are multiple potential strategies it's just really going to depend on your personal situation. 

Quote from @Jokari Trueheart: HI, almost 11 months ago I purchased 3 duplexes and I borrowed the funds from my personal residence which I took out a equity agreement for the down payment on the investment property, great idea at the time because I have 10 years to pay it off and theres no payment requirement, but , I learned more about the consequence that it takes a large chunk of my equity the longer I take to pay it back, so my goal was to refi cash out the investment property to pay it back but I don't think theres enough equity yet to pull the full $106k needed, I only borrowed $88k but with the equity percentage for one year i'm paying about $18k in equity on top of the amount I borrowed if I pay it off in year one, so I need this paid off ASAP before it increases more.