Hi @Denice Doron, welcome to the community!

However, tenant's credit history will take a dive and be on record and since I'm the property manager (me / owner), I will not vouch for tenant when seeking for a place to rent in the future.If I go with option "b" and the tenant / tenant attorney agrees and signs an agreement to make it official , at least I can get back my money within 10-15 years.

@Zach Denny  Similar to what Minna posted above, I have done with a local portfolio lender bank where they set their own lending rules. 

@Kayla M.Welcome to BP!

One of our most trusted developers from Yucatán, Mexico, who’s been making waves with their focus on sustainable growth, innovative design, and delivering great value to investors, is taking a big step—they’re building a luxury resort in Orlando!

But, you can go up to 65% loan to value with no reserves, or up to 80% loan to value if you have 12 months payments already in the bank (12 months reserves_.

Are you looking to do a fix/flip or a BRRRR?

The absolute best way to avoid taxes is not earn income.  

We do not charge a fee to our members and we do receive a broker to broker fee, but it is up to the broker to pay the referring broker, and GEG opted not to pay us. 

If you "need" to get five listings, you won't get them.