interesting I will take a stab at it.most would tell you to do the first option.but if you will sleep better do the second one.. and most likely they will just tell you keep making your payments as agreed. as long as you did not fib on your application in other words your employment changed without you knowing in advance.. if you knew in advance you were not going to be employed and they asked you that and you fibbed then that is mortgage fraud.. and the choice 3 would put the file to bed . although depending on who did the mortgage for you they wont like it they have to pay their rebates back and such with that early of payoff.

Just be open and honest with them, and always do the right thing, and you should sleep well at night. 

Commercial loans are more expensive.At the end of the day, I believe that it is the duty of all investors to understand the pro and cons of all these different setups and to make an informed cost/benefit choice about what will make they sleep better at night.

I just personally can sleep better at night with a fully funded emergency fund early on!

Hello BP Members,I'd like to get feedback from OWNERS operating their own SELF SUFFICIENT/INDEPENDENT real estate investment business, regarding the best entity structure of choice?

If it's basic day to day items, and if you don't store tons of photos / videos on it, anything with 8GB of ram would be sufficient in today's market.

I wanted to best utilize that money so I gutted the house to the studs while living without a kitchen or an upstairs bathroom for a while, sleeping on nothing but a mattress on a dusty floor.

You can always sleep on this for a few weeks too and bump up your offer, and then you'll be at your walk-away price.Good luck, let us know what happens.

Live in the smallest room (or sleep in the living room) and rent out the best rooms for maximum (and potentially the only way to) cash flow. 

Although i have reasonable amount of cash to get this business off the ground, i just struggled to get the numbers to work (ie sufficient cash flow from buy and holds to support my life without a W2 job).