Kyle  My father-in-law did this by creating a portfolio that is primarily debt-free single-family rentals in the city he lives in.

Feel free to inquire about their staff qualifications if it's a larger organization.2.

(Anything that isn’t your primwry first is only tax free on a pro-rated basis.)I don’t know how you could swing it but…If they gifted you the kand they would avoid their capital gains tax.

I can't say when that will be but 4.125 is quite a lot depending on the rate you get.I personally want a hassle free funding experience and the lower rate.

it may get worse though as folks get out and check things out.

Hi Matt, also check right here on BP.  

Feel free to reply here or DM me—I’d love to learn more about your investing strategies and see how we can help each other succeed.Wishing you all a successful and prosperous 2025! 

Check it out here: https://get.biggerpockets.com/momentum2025/

Make sure you talk to a Banker or Loan officer that is well versed in both SE (Self Employed) income and also Non/QM programs.One tip I will give you as a Banker is open up a "Business Checking account" and for the next 12 months pay "Everything" out of that account. 

You can check with your state fair housing agency for details.”