You may want to try one of those credit score prediction tools - I know I am offered one through Capital One and American Express - if you have any cards that offer free credit score they may also have a tool like that.

Cash needed:+Down payment: 40 (10%) +Closing costs: 5000+Renovation: $50-80K+Furnishings: $10-20K **Numbers below are for a price of $415,000, if put 10% DP+ PMI and Using 3.2% interest, 30 year Fixed**———Short term rental- 8 months per year70% of night occupancy typical for area450-500/night total predicted (3 “units”)(0.7*30=21 nights full) x 450= $9500.00 revenue per month (?

Check with your mortgage broker to see what you may need to provide if you are on the deed... but I'm reasonably sure you will be asked to sign the security instrument (mortgage or deed of trust) since this appears to be a requirement in the Fannie Mae Selling Guide.

if they do well or as predicted, i will start my sabbatical 2024, if they don't do well, i would work an extra year or two. i would also consider exiting a DST when they mature if they're not to my liking since my tax bracket would be lower in 7-8 years when DSTs normally mature.

@Dominick Galinis there is no rationalizing building when you can buy existing inventory...if you're not an architect or have a tight connection with a custom home builder this will take twice as long as you think with cost overruns you never predicted...how are you predicting you'll be in an instant equity position?

Nobody on this site can answer this question without seeing the actual instrument (and perhaps more).

The LLC could be the borrower and execute the Note, but the individual owner would need to execute the security instrument... in this case it would be an Indemnity Deed of Trust (IDOT).

The rise of the internet permits the use of new types of nonfinancial customer data, such as browsing histories and online shopping behavior of individuals, or customer ratings for online vendors.”Currently, those hoping to take out a loan can expect to have their repayment and credit history length, as well as total debt checked, but going forward, the IMF study suggests, this will be expanded to include what’s known as people’s digital footprint – either collected from data already publicly available, or that obtained by credit bureaus.The stated goal is to improve “loan default predictions” – and the upcoming trend is sold as a way to give access to money to people who have previously been unable to use loans because their status is “unscorable.”

But no one can predict the future so our actual return could obviously be different. 

Since you're at a low marginal rate (and my prediction is that they won't go lower), I'm of the mind that you're stepping over dollars in the form of potentially foregoing buying additional bank financed properties. #3 is a good idea so you don't have to pay the capital gains.