It is big impact on short stays and less impact on longer stays. 

The LLC will have zero impact on lending.

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.

Does that impact any advice you'd give?

(2) Does anyone have any best practices or tips on dealing with rental properties and tenants that have been impacted by a natural disaster?

We've owned them for 20-plus years but the recent property tax increases have negatively impacted our cash flow as have major repairs such as roof replacements, AC units, etc.

@Anthony ZottoI don't think either will have a big impact on multifamily, unless they drop rates and stimulate demand.

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

@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.

Do you think this will impact my ability to rent the property?