Then I have to go for HML, with high interest rates and 12 month repayment period.

I am uncertain about the mortgage part because I have grate interest rates being under my personal name.

As I continue to grow my portfolio I’d like to continue with the because their interest rates have been the best I’ve seen and they keep their loans in house.

Hi all,Spent all morning trying to research this and get conflicting answers, so let's try the BP hivemind.1) Is depreciation recapture ALWAYS taxed at 25%, or is it taxed at your ordinary income rate UP TO 25%?

With that said STR management rates are coming down, as a lot of things are.

If you don't, your water rates will go up because now it is considered multifamily. 

Only high cap rate markets?

All while, the interest rates are still high.How do you work with this or workaround this matter?

If the equity is sufficient for the down payment and qualifying for the new property there are some excellent HELOC or even fixed rate second mortgage programs available.

Risk Tolerance: Commercial real estate often involves larger investments and higher risks, but potentially higher rewards.Expertise and Resources: Commercial properties may require more specialized knowledge in leasing, property management, and market analysis.Market Conditions: Local market dynamics, including vacancy rates, rental trends, and economic forecasts, should influence your decision.Ultimately, both commercial and residential real estate can be profitable investments when approached wisely.