Did you all consider an LLC?

Alternatively, the lender might demand the loan be recast at current market rates, including modified payments to retain the same amortization period and fees for doing so, or the lender may do nothing at all.Now consider an AITD buyer who (obviously) takes title subject to the underlying loan.

If you hold title to your properties individually right now and not within an LLC, you may want to consider an umbrella policy if you do not have one already.Many loans have due on sale/due on transfer clauses that transferring the property to the LLC could allow the lender to call the loan due. 

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is likely to be higher, then you may consider an umbrella insurance policy.

Consider an LLC Taxed as a partnership.

But recently I have started wondering if I should consider an ARM (maybe a 5 or 7 year ARM). 

You can also consider an SBA loan as well. 

Also, since we are talking about retirement investing in this thread, consider an investment that will perform over a long period of time. 

.#1 – Tenants, Termites, and ToiletsIf you’ve dreamt of becoming a landlord, having tenants, and making improvements, then consider an active investor role.Otherwise, if the title to this bullet point makes you nauseous, you should go the passive route.#2 – TimeActive real estate investments require more time, during the initial acquisition and throughout the project lifecycle, while passive investments only require your time up front, during the research phase.#3 – InvolvementHow hands-on do you want to be?

You should house hack as mentioned above and you should consider an FHA loan.