I definitely agree with you there - the appreciation potential is a really key factor.

Here’s a bit about my current situation and goals:Current Rentals:Number of Properties: 1Type of Property: Single-family home (we lived in it and turned it into a rental when we moved out)Location: Corpus Christi, TXInvestment Goals:Short-term Goal: Acquire more properties and build an equity-heavy portfolio to have leverage if needed.Long-term Goal: Build a portfolio that provides enough cash flow to cover all living expenses.Focus: Expand my portfolio, preferably to at least 10 properties in the next 10 years.Financials:Current Monthly Cash Flow: Close to breakeven (potentially negative by $20, factoring in reserves).Future Investment Budget: No savings at the moment.

Hey Noah, Yeah, our building in Seattle just got hit with $100+ HOA increases across the board.While we haven't seen the impact on property value just yet, it's only a matter of time before that number is factored into the affordability of the units.

I overcame the fear factor. 

Like Ben mentioned, there are different factors to determine who in this scenario would have capital gain, and the amount if there's depreciation, and if any qualify for the primary residence exclusion. 

The answer sort of varies on a few factors like are you self-managing, have you had a proper conversation with them over the phone, etc... 

A few factors are drawing me to them but would love some insight from those currently in those markets. 

I'm curious how is income factored into this type of loan?

@Misook FoleyTypically a bank will not release one of the lien holders and a refinance would be necessary.As part of the settlement agreement the court may order the property and or the debt to one of the parties but again that name is not releasedOther factors do come into play such as what state it was in as some states have different laws regarding equitable interest etcI would speak to your divorce attorney about this and see what can be done

I recognize that the loans are not going to be 0% and some banks will not want to create lines if they know it's for real estate investment due to the risk factor.