For the experts out there, how do you think this would impact the terms?

Norada ls subject to market factors that could impact Its ability to makepayments.

Please also pay attention to requirments for posting notices and registration because if you into a sticky scenario this can impact the outcome in court. 

Today I wish I could go back.And what happens in the world has very little impact on a house that you bought down the street.

You can 100% refinance into a DSCR loan and close/vest in your LLC, however, I would imagine the rate is likely worse than what you have now with the conventional loan which would impact your monthly cashflow.

With supply increasing and demand decreasing, how do you see this trend impacting investment strategies moving forward?

.- **Rental Income**: Lenders may use a portion of the rental income to help qualify you for the loan, which can be beneficial.To get the best deal, make sure to:- Check your credit score, as it will impact your interest rate.- Shop around for lenders that specialize in owner-occupied multifamily properties.- Use tools like the BiggerPockets mortgage calculators to see how different interest rates and loan terms affect your cash flow.If you have more questions or need further guidance, feel free to ask Good luck with your duplex venture

To add additional context,  I would personally be more willing to sign my name onto a $6M mortgage collateralized against a $10M asset in an "A" market that has historically low vacancy rates, no deferred maintenance and is located in a stable market with a rent roll that covers the debt services and operating expenses with reasonable cushion for reserves than sign my name on a $90,000 loan collateralized against a $100K property in a C/D unstable market with high vacancy rates and where capex will disproportionately impact operations.

By going beyond what’s expected, we not only built trust and goodwill but also created a lasting relationship that speaks volumes about the kind of business we strive to be.At the end of the day, real estate isn’t just about buying and selling houses—it’s about the people behind them and the impact you can make on their lives.

You could purchase the property in an LLC or perhaps subdivide the cottage residence and own that in the LLC that owns your other rental property but not sure how that would impact your financing and how practical that subdivision would be?