There are several things here -1. 3-4 unit properties require a self-sufficiency test, which could impact your down payment requirements as that could change the max loan amount that they can lend on.

The LLC will have zero impact on lending.

One of the primary issues is the impact of rent control policies.

Real estate gives you the same “N f-s to give “ attitude.which, weirdly might actually make you a more impactful employee … leading to more $$$ which you can leverage for more real estate 💕This will be very helpful to others looking to jump, thanks for replying.

@Stephen Hood your idea is solid and shows good potential, but here are a few things to consider:Private Lender Terms: Ensure the lender agrees to the 1% origination fee and $2K monthly payments—some may require a higher interest rate or balloon payment at the end.Timeline for Sale: Factor in potential delays with selling your current property or completing renovations on the new one, as these could impact your refinance timeline.Refinance Feasibility: Confirm with lenders that refinancing at $500K is realistic, especially after recent rate increases and appraisal expectations.Exit Plan: Have a backup plan in case the market shifts or repairs take longer than expected, such as extending the private loan or bridging with a HELOC.If you can lock in favorable private loan terms and stay realistic about costs and timelines, this could work well.

The shorter the prepayment term has an impact on increasing the rate.4.

Prior to this, Matt and I were senior leadersof Profound Commerce, an e-commerce aggregator founded by Matt in 2018.

So my other options were to use my good credit but of course all of the loans want to use my personal credit and impact my debt-to-income.

But so far it hasn't had any meaningful impact on tourism and isn't likely too either.

The shorter the prepayment term has an impact on increasing the rate.4.