Additionally, you don't even have to lose money.

In addition to the US economy, there are other things to consider.A.

A tenant could sneak past your screening with falsified applications that you can't catch.

But I'm wondering if the LLC loan is a no-go for banks. 3) Last question- i'm seeing rates on DSCR loans in the 7.2% to 7.5% range, in addition to 1 to 2 points and they likely track 10 yr treasuries (4.26% as of today).

Yes this is a Refi on a commercial property with additional large cash out included for sole purpose of reinvesting into another property, as well as a large operating line of credit in addition to the Refi is included.

So the benefit to investing in a note fund is that with no additional exposure, investors get access to a consistent return with less liability.Best,Dave

He can extend an additional loan to the borrower, especially if the borrower has additional collateral to put up.  

So for the dollar amount, returns, and additional risk I decided to just focus more on my day job.

I believe I can qualify for the HELOC on my own, saving my wife with additional debt ( when used) on her credit.Is there anything to think about if I apply to the HELOC solo?

Additionally, transferring properties into a trust for estate planning purposes is possible if needed.To maximize your leverage, I recommend exploring multiple DSCR lenders for better terms and working with a real estate attorney to structure your LLCs for both protection and lender compliance.Let me know if you’d like more details or assistance with financing!