I do have to agree with @Chris Seveney that this forum topic is one of the lower trafficked forums, which may make the split not as effective, and instead of breaking them up into their own individual topics it may be more appropriate to dissolve the topic entirely and keep the discussions for Tax Liens and Mortgage Notes under the Real Estate Private Lending Forum.I will leave the topics alone for now, monitor the activity over the next few weeks to see if there is an increased demand in these topics, and keep you informed if there is an update to the topic(s)!

The 4 bed vs 3+den designation won't have any effect on the home's value, or the rental income.

A way to account for the additional borrowing (or in this case effectively a cash gift towards down payment) is to attribute an interest rate to the $500k (or even an interest free loan over 30 years).

A lot going on here @Russell Taylor (warrants more than a blog response) I would find a real estate specific CPA who is willing to take a legal yet effective approach to lower your tax burden

Sharing some info from two sources this weekRegarding states looking to strengthen seller financing licensing requirements and court decisions for those not licensed:First from Facebook group school of sharks:Hey guys,TX Dept of Savings and Mortgage Lending has some new rules that are expected to go into effect January 01st, 2025.

Btw, there were no new rules going into effect on June 1st like the section 8 tenant said.Next stop was to collect.

So I got a private message from @Peter Walther to the effect that he was not allowed to comment on this thread.Do you really need to be a Pro/Premium member to comment on posts?

**Cancellation and Termination**: What are fair and effective policies for early termination or cancellation from both landlord and tenant perspectives?

In other words they are effectively DSCR loans.

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