If you expect further growth, holding onto the property could still make sense.Final ThoughtsSelling isn’t a bad option, but you’re giving up an incredible financing advantage.

If you have any financing questions, feel free to reach out.

One of the pro's is Investors can tap into retirement funds to finance deals without depleting cash reserves.

I can run some numbers and share some options on the financing side if you like.

You are correct, local banks would go in and sit with them and go through rates and financing and understanding the payment.

Which I also would tell you that if you have trouble managing finances and poor credit I strongly advise against real estate as its capital intensive and if you struggle now managing money having more money and real estate only exacerbates that issue.

How did you finance this deal?

How did you finance this deal?

However, many DSCR lenders have a minimum loan amount of $100K, which can make it challenging for investors to secure financing for lower-priced properties. 

If the separation of funds was for asset protection (in this case there was another reason), it is my belief that an umbrella policy is easier than trying to maintain separation of assets especially when the property has been purchased with individual’s money and financing.