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

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.

@Brad Herb Investing in a syndication via a Self-Directed IRA (SDIRA) offers tax advantages but comes with fees and limitations:Advantages:Tax Benefits: Gains grow tax-deferred (Traditional SDIRA) or tax-free (Roth SDIRA).Avoid Penalties: Keeps funds in the IRA, avoiding early withdrawal penalties.Diversification: Adds real estate syndications to your retirement portfolio.Disadvantages:Fees: Setup, custodian, and administrative fees can reduce returns.UBIT: If the syndication uses debt, income may be subject to Unrelated Business Income Tax (UBIT).Complexity: Strict rules; all income/expenses must flow through the SDIRA.Illiquidity: Syndications are long-term, locking up funds.Use an SDIRA if the investment is significant and the UBIT impact is minimal, especially with a Roth SDIRA for tax-free growth.Remember that RE, outside of retirement accounts, provides the biggest tax benefits.This post does not create a CPA-Client relationship.

Commercial MF decline is already impacting, in my market, non-commercial MF.  5) not everyone has the ability, desire and/or time for active investments. 6) syndications provide easy means to diversify   This includes geographical, asset class, and value add.  

With the home being right outside the EEV border, it's going to be significantly impacted.

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

This will lower interest costs and free up future cash flow for reinvestment or reserves.Tax Planning: Work with a CPA to mitigate tax impacts from principal-heavy payments and potential gains.

Not a flood zone specialist but I don't believe it would impact your resale.

City of Dallas Short-Term Rentals code How is that impacting MTR in Dallas? 

And the reality is the lot is NOT split, and the real cost in doing so, the impact on cashflow and the risk to my loan make it an untenable effort unless I planned to sell right away.