I slept well at night, even with a portfolio of SF rentals in my name, because I had a $2M umbrella.When done correctly, an LLC adds another layer. 

You are correct that the lowest for INV properties is 15%, but the cost in points for that rate will be significantly more than 20% or 25% down. 

NOT a correct statement.

Ok, so, if I understand correctly, the property is currently a triplex and you want to add/convert 2 adu's to make it a 5-plex and also add/convert a jadu.

Rates good in increments of 15 and 30 days.high six to low nine is correct for 30 year fixed DSCRNo: syndications, property needs work to rent, ARV, cap rate doesn't matter, no STR rents, no bad credit history such as modification or covid excuse... and a list of outs.The number of players decreased and their rules continue tightening, though rates are better than a month ago.

You are correct, that I just running numbers currently off of internet listings. 

That is correct.

If cash on the sidelines comes into RE-- it's cause there is a crash or a massive correction. 

If you are ready to go with a paint color for your owner's suite, then you'll be able to start painting your portion of the apartment as soon as possible. 

.: I got three different opinions from three lawyers.The one whose opinion you hate the most is probably correct.