good luck  2012 to 2021 was the greatest run in real estate ever.

This was also the first house I’ve ever bought.

It effects every aspect of the property and performance- the type of loans and insurance you need will change if you don't hold the property in your personal name. 

If you work with the guy a few times maybe he will change is mind. 

If it is not seasoned someone may ask where did they fifty come from all you have to say is: "this is money I have saved for the purposes of investing in real estate" that's the textbook answer that no lender will ever question. 

How do you prove that you have changed primary residences? 

While my cash flow isn't amazing today, I'm investing in areas I think will experience appreciation and rent growth, and if rates do ever come down I'll refinance and be doing great. 

Has anyone here ever sold some of their bitcoin to buy some real estate? 

They may be able to finance you at a low down payment if you have experience, reserves, and FICO as long as the 65% of the value can support the entire purchase price  I wasn't saying 0 down, but the concept of full return of capital. 15% land purchase cash. in columbus land is let's say 50k we build a triplex for 350k which is very close to 15%. small entitlements, reserves required, etc whatever lender asks for. multifamily sells for 200k per door in our market over 4 units, we are pushing the values up. first ones we are working on because of rezoning, etc but it's a full refinance on 6 month seasoning and do it again. that's the scenario that I was outlining. we do it in the urban core of Columbus where new construction trades at $325 a square foot or more for higher rents and higher equity. we could still put more units per parcel in columbus. these are all infill I hate Lehigh acres. overbuilt, no infrastructure, no commercial drivers or asset.

Luckily, most of the time their review says a lot more about the guest than it ever would about any of my properties.