If you are ever up in Chicago I'd be happy to link up as well.Your decision-making skills as a vet/emt will go a long way in real estate.

As a hard money guy with my finger on the pulse of the lending market I'm always happy to give you an idea of whether the pricing/terms you are being quoted are reasonable.

Quote from @Yu Jin Song: Hi, I am looking to invest in Ohio, mainly in Columbus, and Cleveland, but recently Dayton, OH got my attention in terms of affordability. 

I am looking to buy again in the next six months.Here’s the situation:I own a home in San Diego, currently worth about $1.05 million once the ADU is built.I owe $680k on the mortgage at 4.25%, with monthly payments around $5,500.The property generates $7,500 in monthly income: $5,200 from the main house as a vacation rental and about $2,300 from the ADU as a mid-term rental.My broker is advising me to do a cash-out refinance and switch to a DSCR loan, then move the property into my LLC.I’m hesitant because current interest rates are around 8%, and I was originally considering a HELOC due to these high rates.Given the high rates, would you recommend sticking with the HELOC, or does the DSCR loan make more sense in the long run?

I would put money down depending on the terms.

So, when closing, your new lender would give you a check for $10k to do whatever you want and a new, longer-term loan.

Long story short we got our inspection back on the property we have under contract and are curious how much concessions or in what way we could ask for concessions due to the nature of the findings. 

Many coastal towns in Florida are restricting short term rentals or banning them.

They are short term solutions.

We're ok with not making immediate $ as this is a long-term plan to buy and hold for 30 years to take advantage of appreciation, loan paydown, tax advantages, and possible increased rent in future.