You should have, or you should create an amortization table that shows the actual interest paid on the $650k mortgage for the first 6 months while you lived there.

So, after closing costs I would need roughly 55k cash to bring to the table. 

Be candid and do it in person.

If you buy a fix-and-flip property and use a hard money lender to fund it (your LLC as the borrower), why would the bank ask for a personal guarantee?

What are you bringing to the table?

We have pretty much accepted the fact that ANY person's opinion can be wrong.

The recklessness that trend represents and its implications are staggering.No response necessary ;-) Table top closing?    

The deadline to file for properties purchased in 2024 is January 31, 2025 for the benefit to roll forward this year..Other Important ConsiderationsThe exemption doesn’t apply to agricultural property, personal residences, or property assessed by the South Carolina Department of Revenue.Even if you missed the initial deadline, you might still qualify for partial benefits in future yearsHow to Apply for the ATI ExemptionApplying for the ATI exemption is a straightforward process, but it’s essential to act quickly and provide the necessary documentation.

The loan is non recourse, so I have no personal liability.  

Tampa’s my personal favorite (yeah, I’m biased), with strong growth, great tenant demand, and a balance of cash flow and appreciation.