I also think that paying off mortgages with earned income is not the best idea - it is a massive sacrifice over a long time that barely moves the needle.

It’s designed to capture all relevant details, including hours worked, descriptions of tasks, and the specific nature of the involvement.

I’ve paid for permit applications, clearing trees, survey, design and engineering, and architectural plans.

Let's say I already formed a new LLC that would be designated for REI.

It looks like a very simple or basic apartment, and it needs some serious design pieces.

Now, every 1% origination moves the needle by 20-35 bps, depending on the lender.Usually, the only folks paying extra points in this market are deals where cash flow is an issue and they need to buy down the rate for more LTV.I've brokered 300 DSCR loans, and the rates you mentioned are no way real unless you're talking very reduced leverage (50% or so LTV).

Expanding into the US residential market can be a rewarding opportunity, especially with your focus on cash flow and capital appreciation.Given your interest in properties that yield positive cash flow while also offering capital appreciation potential, I'd like to introduce you to a financing option specifically designed for foreign investors like yourself: Debt Service Coverage Ratio (DSCR) loans.

After 12 months, you can fully rent out the property if you desire, without needing to occupy.2nd homes are designed to have another place to live in a "resort type" area or when commuting to a different state for work.

However, landlords are investing heavily in upgrading office spaces to meet modern tenant demands, such as flexible work setups and health-conscious designs.

When I first started as a carpenter in VT I worked for a high-end custom design-build firm and all of our guys were actually local white boys.