Basically, the banks are happy to refi you up the ting yang when rates are low and their is plenty of liquidity.

@Steve Yang I grew up and started by REI business in Cincinnati.

Andrew Yang did a good job in my view shooting holes all through it in last Democratic debate. 

@Frank Yang Thank you sir!

You can research out the ying yang but still in the end, it could burn you.

@Yu ChenAlso, consider comparing notes with @Wei Jie Yang about your experiences.

I am raising their awareness that they need to consider all factors and not fall into the trap of focusing on only one thing like cash flow.Again, thanks for providing the yin to my yang, as all good discussions need to be strongly supported by both sides.

Peter Yang if you are investing for appreciation I thin Seattle is a great market due to the tech influx.

@Steven Yang Welcome Steven, if you want to get your first deal I certainly don't recommend quitting your day job before doing so....you'll need to be a successful agent for atleast a couple of years to qualify for conventional loans. :)

@Wei Jie Yang I'd agree with @Odie Ayaga most HML's that I've ever come across or done business with lend to an LLC, you should work with a CPA or attorney as I am neither but it sounds like an LLC would be your best course of action.