I learned to try and hide the Subject To in a trust, to try and buy Subject To Insurance in case the loan gets called, to not get title insurance because it's just another expense, and it might reveal something I don't want you to know,and that the economy never takes a bad turn,and that I don't need reserves,and I'm not told what happens if I miss a payment or what to do about it,or that I could get sued and investigated,and I have no idea what to do if the loan gets called with the Due on Sale Clause, I also learned, that I can make tons of money having other people spend a lot of money to join a "community" where they get to watch videos of me and discuss Subject To with other students who are equally ill-informed, but they never get personalized training and never buy a property.I'm all set to be in the SubTo community and be happy with equally happy people.It's all there, on youtube, video in color, with great enthusiasm.So, in direct contrast to that, we teach all of that (well not overleveraging, or not using title or the other bad practices)   "one on one", real time, personal, live, no videos, and you actually buy properties.

If market conditions change or unexpected expenses come, you might find yourself over-leveraged.Cash Flow Considerations With both a hardmoney loan and a HELOC, your monthly obligations will increase.

Similar to you, I wanted to find somewhere less expensive, still close to the Bay Area (drivable), but without the high property taxes, more favorable tenant/landlord laws, no state income tax, and consistent job/population growth. 

Ensure you work that into your expenses when underwriting.Answering your questions:Experience - Location is really your main driver here.

Calculate potential rental income, expenses, and any projected appreciation to see how each option would impact your overall portfolio.

Not sure what the difference would be $ wise  but reducing your principal biweekly vs at the end of the year would reduce your interest expense more than lump sum. 

@Avery Moore From a tax perspective, purchasing properties through your LLC won’t necessarily change your tax liability, as the IRS often treats single-member LLCs as “disregarded entities,” meaning the income and expenses flow through to your personal tax return.

Trust me, you don’t want to find out you’re violating a local ordinance after the fact-it can get messy and expensive fast2.

It involves minimizing living expenses, building equity in one property, and leveraging that equity to buy another after a year.

In running the numbers I’m making assumptions about many operating expenses.