I had to rip out a long stretch of concrete in a fix and flip gone bad (I was the lender and took it back after the borrower defaulted).

@Nick Longthey will, but in the long run I don't think it matters all that much to save half a point or a point.i am still not sure what you are trying to accomplish - happy to help if you want to share more

From my experience, starting with long-term rental properties is a smart move, especially for those looking to build wealth steadily over time.

How are things in Long Island.

Phenoix is 5.66%, Atlanta is 4.14%, Nashville is 5.49%. 4 years is not long enough to be an indicator.  

If you're using hard money simply for the purchase and plan to refinance, the hard money would actually require less than long term financing.

@Kyle Castle as long as your bank account(s) that you receive rent $ into and pay expenses out of are integrated to QuickBooks you shouldn’t need anything to bridge the gap.

It's what he's gotten away with for so long, unchallenged. 

The cash flow houses help me to hold on for the long haul, while the appreciation houses enable me to buy more houses.  

As long as you occupy 1 of the 4 units, you can have yourself up and going out the gate with 3 rentals all while using your amazing VA loan benefits!