While it's different from outright ownership, many investors still see value in Bali’s real estate market due to its high growth potential, tourism demand, and relatively affordable prices compared to Western markets.Actually there is some flexibility that you can own a as a foreigners, the solution on it is by owning a company and put the property under the company name.

The house is my mailing address, all the utilities are in my name.

Second, the prospect stated on the application they lived in the property for 4 year, but the tenant rent ledger that was provided stated a move-in date of last year 2023 of October and for some reason doesn't have the name of the management company, and the ledger looked like it was created using Microsoft Word.

The last big name that I knew that went up to 80% on anything was CIVIC and they are not doing new loans as of last week. 75% is seemingly a good target on a cash out refi for a DSCR loan, assuming credit is good and the property cash flows well. 

I don't have any personal experience trying to collect yet (though my mgmt companies are supposedly working with collections companies), but I can provide a name of a company who just advertised at one of our local REIAs.

The family member has expressed interest in adding my name to the deed so I or WE could use it to invest in real estate.  

Which makes him odds on bet to be a “bad” (no pay - late pay) tenant2.

**Subject To Deals:**In a **subject to** deal, you take over the seller’s existing mortgage payments, but the mortgage remains in the seller's name.

They are your best bet at breakeven or even small cashflow but they will not appreciate near as well as a newer townhome.

Based on what you’re looking for—keeping business and personal finances separate—using a DSCR (Debt Service Coverage Ratio) loan might be a great fit for your situation.Here’s why DSCR loans could benefit you:LLC-Friendly: DSCR lenders typically allow the loan to be taken in the name of an LLC, so you can easily transfer the title to your LLC and keep the property separate from your personal finances.