It’s a short term rental started in Oct 2024 and earning during this off season is under $10K but cost segregation has nothing to do with rental income only depreciation of the property and with bonus depreciation being 60% this year I think it’s worth it.

Yes, Spain is one of the countries in which banks will lend to non-residents (they generally don't) but Spanish banks are much more conservative than US banks so it's more difficult to qualify, especially if you don't earn W2 income.

To beat 5.25% mortgage rate....the corresponding, offsetting stock market return would be at least double that...To answer your question requires (1) knowing what risk adjusted return you will be able to earn in the future (2) knowing what interest rates will do in the future.  

Just make sure that anything that earn for this settlement is not subject to tax and if it is - allocate properly. 

Do you want to earn x thousand a month?

My favorite was a hoarder house full of trash that took me six months to turn around, but it turned into a killer deal that earned me a 600% return.

This fosters a top-down management approach that ensures accountability and efficiency throughout the property.As I've earned from my own experiences, the difference between a good operator and a poor one lies in effective asset management.

It may seem syndications do not earn till they exit.

If you are not cash flowing and have a high earning job you don't need to deal with 3 or 4 rentals. 

Originally posted by @Michael Kinsella:I would second what @Jay Hinrichs said above...there was a follow up post where someone got a loan from them but for realistic rates 8% or so and few points.. under 6% private / hard money simply does not exist unless its a family friends type situation. that bank rates or lower right now for new construction or fix flip Generally speaking, I would be highly skeptical of rates under 8% for a hard money bridge-type scenario.Hard money lenders are getting their capital from somewhere, and those investors are expecting to earn a reasonable yield.