Hi Xavien,You’ve raised an excellent and often overlooked point about the benefits of business credit, particularly for real estate investors.

If you have just one unit it's not too hard to keep track of payments, you can do it for free in Excel or Google Sheets, you just have to stay on top of it.

I then created an excel sheet with those estimates to know (a) what to offer for land to make my numbers and (b) to hold the sub to what they estimated for me.  

I'm also looking to get my hands on a good calculator for short term rentals since I'm terrible with Excel and only have a calculator for long term rentals that I know is missing sections that are specific to short term.Any help you can give me would be very much appreciated :) BiggerPockets has an Airbnb calculator, and I see that you're a pro member.Since you've read the STR book and done other education, you know HOW to pick a market lol.

There are some excellent posters on BP but occasionally some go beyond what I think is appropriate for lay persons.

Stand on who you are, and this direction is excellent. 

You bring up an excellent point about the trade-offs between second home and investment property loans.

It’s great to have you here, and it sounds like you’re in an excellent position to start your real estate investing journey.

Excel spreadsheets, and not doing very well keeping up with them either!

Hi Henry,You’ve mentioned some excellent points about the complexities of scaling a portfolio in Europe and the importance of understanding local markets.