Recap:4 Properties:1 - Vested in your natural name2 - Vested in you and your wife natural name1 - Vested in the Irrevocable Trust (that is not "in" your name, you are likely the beneficiary)You will need to be careful with the one asset that is already vested in the name of the Trust.

Is it revocable or irrevocable?

A couple questions: Should the "Holding" trust be revocable or irrevocable?

My next recording will be about the City of Sedona trying to get home owners to sign deed restrictions that stop them or any other owner on that address from being able to operate a STR for the next 50 years, irrevocably- yuck.We were getting STR saturated (mainly with more common, less expensive homes) in Sedona, with approximately 20%-21% of housing consisting of STR's.

First, you could have an Irrevocable Trust.

Most lenders won't consider income from a trust (as in an irrevocable trust that defines the periodic distributions to its beneficiaries as income) when considering qualifications.

Instead, the trust becomes irrevocable.  

It's an irrevocable trust that you can still have some control of asset management while the trust is in play.

Our family has in irrevocable trust that has two properties among other assets. 

Which is better for real estate, revocable or irrevocable trust?