As a former planning board member as well as having done a lot of development both residentially and commercially - I agree with JD.

In my case, I have residential rentals in one LLC, commercial properties in another, self storage in a third, and my real estate company operates in a fourth.

If you are considering using a more commercial method, such as a DSCR loan, those products are simply reserved for commercial use and not personal.

I've had commercial loans with my CU but all others through brokers, and they've all been sold within a few months then had issues with the loan servicing companies/ the banks they sold my loans to.

An attorney would be able to advise on risk mitigation via insurance vs an entity + commercial loan.

Only rental cabins catch on fire and not primary residences.In all honesty, though, I would agree that something that size should be treated more as a commercial property any way and the sprinkler system makes sense to me.

Yes I am being quoted commercial loans.

As far as my personal investments, I have mainly focused on multifamily - but I do have commercial retail and office investments.

Bryan I would say PLANNING IN ADVANCE is key.Lot's of investors like GA as it's own of the best investment warm belt states in the country.You need to determine if you are going residential or commercial for the replacement property and what deal size.

This market is not always available in the MLS, so making it more difficult.A commercial lending is possible even with SFH, that will depend on your lender and the access to commercial programs, it will all depend on the situation.