I also advocate using the 95% LTV versus the more restrictive 96.5% FHA LTV.

https://www.biggerpockets.com/forums/93/topics/1224328-new-l...here is a thread I just did on Oregons new law that takes effect July 1 2025.

I believe in this so strongly that I have even once confronted a large advertising client about this issue when I discovered they had language to this effect in their terms of use in the past, and asked them to change their policy, at risk of material revenue loss to our company.

Don't know how to analyze a deal effectively?

Let's look at your example of a roofer, assuming he owns the company.He has to pay for employees- they still get paid, even if they are not giving 100% effort.He has to pay his workers to go back for warranty work - effectively paying them to do the same job twice.He has to pay for equipment, even when it's not being used 100% of the time.- but the company he bought it from still gets paid.He has to pay for advertising, whether it works or not.- but the advertising company still gets paid.He has to pay for accounting services, payroll services, tax services, legal services, etc.- they all get paid whether he makes money or not.So, what's your point?

With an LLC, you may be able to deduct business expenses more effectively and avoid double taxation.

I own a 30-unit community and found it much easier and more cost effective than the 1-4 family and flips that I was doing before that acquisition. 

Additionally, working in a small-town market taught us how to effectively price properties for faster sales without compromising profit.

They don't understand how to price effectively, study the market, set boundaries with tenants, establish policies and procedures, communicate, and dozens of other things.

Prior to last year, effectively any SFR was eligible for a short term rental license.