If you are concerned about doing things perfectly legal just find a lawyer that can help you confirm it, and restructure if needed. 

What I've learned with this structure is to ensure the you are consistently paying down on principal, or you risk the bank eventually calling in the note, or asking you to restructure. 

The catch is you may need to restructure a number of things in your life in order to optimize the results.  

The restructuring he said would need to happen was way out of budget.

In which case, take advantage of those, or restructure so you re able to.5) Consider charitable giving, if that is a part of your goals6) Consider what equipment and other purchases your business actually needs and purchase those to continue growing the business. 

Debt restructurization is common when rate-sensitive project is hammered when there's change in rate especially with these massive volatility.Now what I see is project with 1.4 DSCR initially is becoming 0.80 DSCR after rate increases 400-500bps. 

I'm considering restructuring my rentals, the goal is asset protection and anonymity. 

It appears they restructured to actually do more flips my buddy has a decent social media presence and is boasting about his last two flips and the profits are about half of this one and required 1 million in capital.

If you go check how most of these tech companies are currently restructuring you'll see the international exposure. 

its a 40 yr 5.75% (2013) restructured loan from 2001