But If I'm paying 10% apr then it is $10,000 for a year use of the money. if it is just the time used then it is $833 per month( 10,000/ 12 mns.) unless of course it is compounded monthly, then the amount would be a little more each subsequent month. can anyone explain how a typical hard money loan works?

That's generally an optional coverage, and if you don't have that coverage included on your policy, then the insurance company would not owe it, and subsequently would not pay for that. 

If you sell the property in 2024, the remaining "what would have been depreciated" over the subsequent years is subject to depreciation recapture.Here's a simplified calculation:Total Depreciation Taken: Let's say you've taken $1,000 in depreciation each year from 2020 to 2023, totaling $4,000.Remaining Depreciation to Be Recaptured: The remaining depreciation that would have been taken over the years 2024 and beyond (up to the end of the useful life, which is 27.5 years in total) would be $7,000 - $4,000 = $3,000.When you sell the property in 2024, the $3,000 remaining depreciation would be subject to depreciation recapture.

@Ivan Ng Transferring investment properties into an LLC and subsequently placing them into a revocable trust for estate planning purposes is a strategy that some individuals choose to pursue.

(With this achieved, my husband and I can subsequently plan to have a baby and spend time with him/her, without much financial stress.)  

On my mortgages, I want to best terms and lowest cost since I expect to hold them long term and they impact subsequent borrowing DTI calculations.

However, because it was only ever a temporary use, and the zoning subsequently changed to no longer allow two families, the temporary use is not "grandfathered." 

The amount of authority to upwardly adjust the fee appraiser's estimated market value during the lender staff appraisal reviewer's initial review of the appraisal report or to subsequently process an appeal of the lender's established reasonable value will be specified in the separate instructions issued by VA as noted in 36.4344(b)."

This has been my strategy; I pay cash for houses initially but finance it subsequently with a first place HELOC.

Hi all, total newbie here. Thanks for having me.
 I want to preface this by saying I'm not anti-landlord. Had ALL great landlords until this one bad experience which was a doozy and I need advice. I know nothing abou...