I'm grateful for any insights that can help me make a well-informed decision about this potential investment.Thank you in advance for your time and contributions to the discussion.Property Key Features:NO HOA 11%-14% ROI (via Airbnb) Class B+/A+ Lakefront Sits on a double lot Immense appreciation growth expected in next 5 years. 

It's fine to track these in a separate system since...B.

@Joshua B.- thanks   1) on the  1st mtg  refinance proposal at 4.1%  -  sounds like they are  offering you the  higher note  rate  so they can  absorb  some of the closing costs .....make sure you get a loan estimate and  review the details about them picking up all costs  ( titel / escrow / recording /  credit  etc ...)    2)  also  check the  index / margin and  caps   on the new  loan  offer   and  compare these to the  present loan  details  ...if you  keep this loan past the   rate/ payment  adjustment  period - you want to make sure  you  are aware of  how the ARM  can  change   3) the offer  to  do  " free  "  refinances in the  future  is  no  big deal  beacuse  any lender  can offer this  via  a higher rate  to  absorb  all costs 

One of the structure that was recommended by a US-CAN CPA to avoid double taxation and stay protected was the following: Real estate A is owned by LLC A, Real estate B is owned by LLC B, Real Estate C is owned by LLC C (or you can put some of them together instead of having many LLCs).

There is no worksheet out there that will tell you whether investment A will be better than Investment B without factoring in risk.Sponsors can inflate the 'projections' to however, they see fit. 

Explained the situation and he said it may be a challenge to get another conventional loan (investment loan is being considered as well but; Family loan = plan A, bank loan = plan B).We want to keep the property we live in now (since Oct 2023) and rent it out when we leave.

@Gustavo Mendoza it really depends on the tenant and state/local laws.Class A tenants, usually having 680+ credit scores, can be held accountable for a 12 month lease.Most Class B tenants, 620-680 scores, can also.With Class C tenants, under 620 scores, many won't care if a lease is 12 months or MTM, they will move when they please.

if you do not have US citizenship, a green card, or a visa, make sure that if you are seeking financing that you either have a US co-sponsor or your lender can lend to foreign nationals.

I've got 32 Class B doors in Class C markets and and cash flow $6K/door/year. 

As long as you have your selections and finishes annotated on the plan. b.