Marth 11th 2024 new laws that effect banking and deposits go into effect.

There are also some benefits to leverage such as tax breaks that lowers the effective cost of borrowing the money.

Having watched many prior co-workers get paid, cash their check at the casino, and promptly deposit it all into a slot machine I can tell you with pretty good certainty that casinos don't have a positive effect on disposable income and good use of the existing income in the area surrounding :)Are there solid local employers OTHER than the casino in a 15-minute drive? 

As you are finding out, it is so local that the next door building effects your investment. 

Several of the contractors offer helical piers but don’t seem to think they’d be a more cost effective option - we can directly ask about this again.  

In effect, you will end up paying tax on your refi cash later on, when you sell the property.

In online forums, the danger I've experienced is the "national" effect. 

If you acquire one new property each year, you could significantly increase your wealth and potentially position yourself to qualify for larger investments, like apartment buildings or construction loans, within 10 years.I’ve worked with clients who have successfully implemented this strategy, and it has proven to be an effective path to building long-term financial freedom through real estate.Good luck with your decision!

My advice on sub to is as follows1- COMPLETELY understand the process, implications, liabilities, and possible outcomes before engaging or attempting to engage in a sub to transaction2- Complete disclosure going so far as making sure the other part understands the transaction and possible consequences3- Utilization of an attorney experienced in subject to transactions for setup in such a way that provides some protections in case of default or in case the note is called4- Have a backup plan in case the note is called5 - only use for property that has a TRUE positive cash flow unless the buyer has substantial reserves I myself have purchased 8 properties subject to, but 5 of those were commercial properties which often have notes where a subject to is allowable.  

If you do the math, since your borrower is paying interest on interest, it raises your effective interest rate by about a point.