Like other posters have mentioned - it will likely vary by lender - but generally most states will be OK with either Individual or LLC but there are a handful of states that due to various regulatory interpretations will require a LLC (or require a LLC to have prepayment penalties on the loan structure) Borrower = Individual or Entity AL, AK, AR, AZ, CA, CO, CT, DE, DC, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, WA, WV, WI, WY Borrower = Entity only GA, FL, IA, MT, RI, VA (1-4 Units) Prepayment Allowed Vested Entities Only IL, NJ

I’m an investor based out of Columbus, OH.

Oh, they didn't do it?

Oh no.... what we will we ever do in CA... 

The reason why I would personally place Columbus Ohio in the #1 spot is because you can still find positive cash flow, the 1% rule, and you get amazing appreciation potential.

People told me to invest in Columbus, OH.

If you're looking into your next market, I would recommend Columbus Ohio.

Does anyone have good stories to share about short term rentals and midterm rentals in Cleveland, OH?

For a second I though you posted "from newbie AI" instead of "from newbie Al" and was like oh lord, the computers are introducing themselves now? 

Oh yes, it's totally different!