That said, I will still try to provide some “clarity”.Purchasing a property “subject to “ the existing debt can be done two ways.  

They are telling you for >1 year we offer no distributions nor redemption of your investment.

The second DOS was in 2020 when I bought enough properties using "subject to" that I couldn't keep up with rehabbing and some sat for a couple of months.

Diversify if you can with smaller amounts so risk is distributed. 

Cracking and structural problems occur because the sinking of the home is not being 100% distributed but usually only localized causing an imbalance. 

Account keeps growing and no need to move distributions anywhere else to get a return.

In the past 10 years, Ocala has greatly improved the employment base, adding tons of logistics and distribution jobs on top of the medical, service and equestrian jobs that we have always had. 

Some will let you rent your primary and still do a DSCR loan on the subject, however, this would come with the added scrutiny of really documenting and evidencing you have no intention of moving in to the subject.  

The more you can make your screening objective than subjective the easier and more successful everything will be.

All real estate activities you engage in ad a licensee are subject to your broker supervision, and fall under the regulatory rules of your state's real estate commission or department of licensure.