Buildings are the same age.Is it possible that the insurance brokers advises the insurance companies to do those inspections?

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

I would like to purchase a 4 unit building in NKY in 2025.

The land is on two tax lots so my plan is to sell the extra lot immediately after closing for a projected $275K.The property on the other lot will be a fix and flip with projected costs of $240K and an ARV of $750K.I plan to use a PML of 2 points and 12% APY for 70% of the total cost.

@James Thompson Transferring property from your in-laws to you can be done through a gift, sale, or trust transfer, each with different tax implications.

I don't think our detroit land bank sale properties with tax liens I would have to look into that. 

Otherwise, if you already bought the property in your name and use QCD to transfer to LLC it's easy to track.3) Getting properties off your 1040 tax return: once you accumulate enough real estate, for various reasons you may not want the proeprties to appear on your Schedule E.

I’m looking for ideas of how to do this, and any advice on how to protect my primary property along with paying low taxes. 

If you plan to use the remaining HELOC for a DSCR or BRRR strategy, that could help you build more equity, but consider if the current market conditions will lead to higher rates and lower cash flow in the near term.If your goal is to scale, you might consider holding onto your current duplex for the cash flow and focusing on the BRRR/DSCR strategy, which can allow for more control and potentially better long-term returns.

My company builds and sells single family homes in SW Florida.