Each DSCR loan is separate and qualifies separately, so one doesn't necessarily affect the other except for the liquidity needed to close since you'll have multiple down payments/closing costs for each transaction.

Separate issue is only 13% of CA homeowners pay for earthquake insurance because it's so expensive and the deductible can be really high.What are your re-building costs in your area?

What is the best way that you have found to tell them that you need labor & materials separate, so at tax time you can send them a 1099 for labor?

What I would do is try both and separate the leads from each and see which one is better.

I have so many questions though.1) Can anyone tell me more about series LLC and whether it's necessary to hold each property in a separate LLC2) What are your thoughts on a trust, rather than an LLC - advantages, disadvantages etc?

I would suggest doing these separately however since you will run into issues with a partial release clause on a blanket loan.

Utilities are OFTEN overlooked so reach out to power, telecom, gas (or go all electric), water, and sewer to make sure you understand what it would take to get separately metered services from the primary house.

Another idea could be to see if the HVAC system can be adjusted or modified to better separate the airflow between the units.

Additionally, you may just want to ask your tenant to be mindful of the other residents by using some form of air freshener or scented candles etc. you would be surprised what a conversation can do, maybe you'll get a more favorable result.Best Chris

I also want to combine it to one $150k  30 year fixed loan instead of having two separate  $100k and $50k loans what options do I have can anyone help.I don't want to use my own money.