Quote from @John Friendas Quote from @Patrick Roberts: If you are on the note or personally guarantee the debt, then it will affect the liability side of DTI, regardless of whether the lender reports the loan on your personal credit.

Personally, I'd go with the As-Is scenario.

The flippers we personally work with in California have not run into this issue (as far as I'm aware).

Either way, $600 in cash flow should actually help your personal DTI if you go for conventional financing on a primary again. 

I also completely understand the frustration of navigating through "Joker brokers" and fake lenders who promise more than they can deliver—one of the biggest challenges in the industry today.Regarding your approach to accrual-based repayment options, that’s a huge help for flippers managing tight cash flow, and it's great that you offer that flexibility.

The person who comes into money but not a lot of experience in real estate should be a little more cautious right now.So overall, I am not saying - do not buy, I am saying be careful.

Tell me - someone selling their home to your son, Subject-To - is this a person who has made good life choices? 

@Carlos OlarteCarlos, that’s a smart approach—ADUs and JADUs are great ways to boost cash flow, especially in high-demand areas like Orange County and Long Beach.

Quote from @Jessie Dillon: just my 2 cents.. i'm not a fan of the syndication model. there are better ways to invest more passively where you have more of a say in what goes on, can achieve higher returns, and can have your personal interests at a higher priority. 

Quote from @Daniel Windingstad: Quote from @Obed Calixte: Some people have the personality, processes and systems & time to self manage, some do not.