so what really happened is unrealized HTM loss doesn't need to be recorded in the book so they dont have to sell it EXCEPT if there's massive withdraw from customer AKA bank runs.It's the bank run that causing the bank to collapse.So in theory you can avoid issue by saving the money that has the smaller holding of HTM paper or invest in the bank where there're more incoming asset coming-in.

There are logistical reasons whey other lenders aren't here including the recording process, Puerto Rico's bond rating and lack of MLS / Comps.  

You can allocate expenses to each property/LLC during your accounting processes, but make sure to maintain clear records and documentation for each expense related to the specific LLC.Detailed Tracking: As you scale up, accurate record-keeping becomes crucial.

I bought the home as is but a new septic system was installed in 2019, I have the county record on it.   

Is this allowed to do a downpayment and have it be recorded?

This eliminates the guessing and luck associated with picking a property.Work with a property manager who has a track record of selecting reliable tenants.

Wait patiently for the tenant to buy real estate, then record the judgment in the county where the property is located in order to obtain your lien -- the balance of which has been accruing interest nicely in the interim.Anything else is a waste of resources.

If you can't locate a GOOD PM with a proven track record, then you should discard that market no matter how promising the deals look.

Withdraw your 401k, pay income tax, pay tax penalty, lose opportunity of compounding interest etc - you're taking a huge L out of the gate here Do you have a track record of success?

Most flippers would tell you those were bad deals, but those "bad" deals gave me confidence, experience and helped me develop relationships that propelled me to take the next bigger steps and quit my day job.