That doesn't surprise me about NJ, knowing what I do as a person who's lived in the tri-state area for 25+ years, especially since becoming a father and coming to truly appreciate what NJ has to offer offer.

If the extent of your real estate business is renting out your basement than no, a Wyoming trust is not necessary (in fact, a Wyoming trust is not necessary for 99.9% of real estate owners)....you were contacted by a fear mongering sales person, not someone I would consider to be offering credible services. 

They do offer a early meeting and a main meeting.

I love that the MHDC loans are offering 0% down payment options for duplexes, I would look into that if you havent already.

Hey @Timothy Hero, we have several lenders in our network that offer DSCR on 5+ units.

It's creating new ways to unlock property potential and offers a pathway to profitable investments if you're targeting the right neighborhoods.Here’s the deal: SB-9 allows to split a single-family lot into two parcels and build up to four units.

Hard money lenders are often more willing to take on higher-risk projects and offer faster closings, but the trade-off can be higher interest rates and shorter terms.

Also have made it easy to see if you offered a certain amount, or changed your rehab budget, how that would affect your return. 

If you are looking to expand your knowledge I highly recommend the webinars BP offers. 

Some agents are savvy enough with their offer to  require the seller to pay the early issue.. others its just another line item and buyer pays it..