@Yang Lucommercial give us income sir then how it can be riskier i am talking about commercial like multi family

Hi @Hochiminh Yang!

This is something that will be a yeng and yang in each party.

@Chris Yang, Hi and welcome to BP!

The guy is simply a genius.Just keep in mind, there is a ying and yang relationship to cash flow vs. appreciation.

On those four guys I mentioned, one really does have something approaching a photographic memory -- I've seen it in action and it's barely believable.All four guys have money out the ying-yang from other real estate ventures, solid portfolios of residential/commercial rentals, and all of them have residential flipping experience.They have giant networks of people, contacts on contacts in the business stretching back decades.Two of them have law enforcement investigative backgrounds, one is a former teacher, one used to work for the local government as a researcher.

Our MAGI is above $150,000. 

A nice ying and yang in my opinion.

@Chris Yang In 2021 we saw INVESTOR NON QM Rates range anywhere from the mid 3s to mid 5s depending on the LLPAs associated with the scenario. 

While those who have other passive income (or have REPS status or materially participate in an STR) receive more benefits from the cost seg study, I think it's important to note that you can utilize $25,000 of passive losses against earned income as long as your modified adjusted gross income (MAGI) is under $100,000 and ist phases out $1 for every $2 if your MAGI is greater than $100k and is completely phased out above $150k.