The tradeoff on the joint financing is going to be the (refi) costs associated w any transfer of ownership, HOWEVER transferring title to the LLC is unlikely to trigger due on sale (b/c it sounds like most banks simply aren't monitoring and/or enforcing due on sale in these instances) which would make the ownership (sans the actual mortgage note) more easily transferable than exiting your position as an individual owner?

Stucco, no decks, I’m renting individual rooms, 10min away from my house, easy maintenance.

Crazy but true.Here’s a CSLB chart, if you go the individual and homeowner verification route, you’re gonna need a lot of supporting evidence of competence and testimony from who you worked for etc.  

With these savings, I plan to enter the market for a single-family house hack in the Baltimore area in Fall 2025.

For individuals that qualify for this, they can use their rental property losses to offset their active income.

I like that you’re driven and really want to surround myself with likeminded individuals. 

You have not done real estate deals in the past as a group or also individually?

As a landlord, I've great respect this individual and have treated him very well.

If you are interested in more data about the area, enter the zip code (37208) into areavibes.com or city-data.com.

A Beneficial Owner is an individual who either directly or indirectly owns or controls a company.