But its up to each individual to determine the value..

That period of time may be more or less relevant individual investors, but it is the obvious starting point for the discussion.

Hello,I would appreciate your recommendations for lenders specializing in single-family homes, both for builders and for individuals interested in purchasing a new construction home or a home currently under construction.Thank you, Anna

Second, is the subpoena part of a case where an individual’s actions are relevant?

@Paul Bradyi think it only applies to ultra high net worth individuals - >$100M. 

Keep in mind that some expenses are out of an individual's control.  

Which option is best will be individual to you.

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.

This kind of creativity (or a massive pile of cash) is what's needed to "Cash Flow" in the near-term with a Boulder investment, but unless Boulder dramatically reverses course and halts the NIMBYSM that stops new construction in it's tracks, those who hold on for the long-term are likely to be highly rewarded. 

If a cash out refinance, many lenders will allow the cash out to satisfy the reserves requirement.DSCR lenders generally let you vest either individually or as an LLC.