Either way if you personally guaranteed the note, yes it will affect your personal credit no matter who the property is titled to.

In 2022 I also sold my money pot personal residences for $961,000 and purchased it for $154,000 in 1999. $500,000 was tax free due to being married.  

My personal thesis is to avoid the HOA altogether, problem solved.RESTRICTIVE COVENANTS can still run with the land even if there is no HOA, placed on by the developer.

A person get's a sense of walking through via the order and angels of the photos.

Not really worth the time for me.As someone who has written a bunch of algorithms over the years, I am pretty sure there is much more that goes into the results for each person other than the obvious.

The beauty of personal finance is it's all personal :) If leverage works for you, awesome!

When I go to get more work done, I use the person that was fairly priced and met my expectations that first time, I do not shop around again for the lowest deal.

There is no universal right or wrong, it's personal, it should be a strategy that enhances your life not takes away from it.

So often i speak with flippers who put too much money on their personal cards and tank their scores.

Personally, if your market tends toward the former condition (better/normal appreciation) I think it's a fairly safe deal looking at the long term, assuming infrastructure around you continues to support the idea of renting it.