Since it was over 12 months with my HML, I ended up taking the property under my name with a 30-year conventional loan.

We approached the existing lender for a loan assumption.

In my home market of Florida, our insurance rates have made it much harder to have positive cash flow on a CRE deal.

One powerful tool that can help investors secure better loan terms is asset utilization—especially when the DSCR (Debt-Service Coverage Ratio) is under 1.🔹 How It Works:If your rental income falls short of covering your mortgage (PITI), you can use liquid assets to supplement your income.

Interest rates decreasing a little more will be necessary to make this possible, too (DSCR loan).Also I will have another deal refinanced by then and gain about $70,000 of capital from refinancing that.

Structuring Financing for Volume-Based InvestingTraditional financing methods like hard money loans work well for single properties but can be less efficient when you're scaling up.

Hard Money Loan and HELOC on my own house.

Personally, I'd cash-out refinance into a 30 or 15 year loan.

We did that for about 3 years until Jeff informed me he'd fallen behind on property taxes, and all of his lenders called the loans due.

Loan pay down and depreciation.