Are you suggesting that by owning more properties with leverage (vs owning less with no leverage) that I have greater value because those homes will appreciate over time and I'll pay down the debt over time?

you can still qualify for agency debt but otherwise start making calls to lenders that offer special financing or go back to seller .. there is always a way

@William Thorn just happened to me 10 days ago, 3 days before I was ready to close on a piece of apartment land the neighbor filed a lis pendes and law suit claiming adverse possession rights.

A properly set-up DST will both protect your assets and bypass the burdensome franchise tax that would be levied against a Series LLC.The Delaware Act expressly provides that “[n]o creditor of the beneficial owner shall have any right to obtain possession of, or otherwise exercise legal or equitable remedies with respect to, the property of the statutory trust.” 12 Del.

Example income property ROI calculation: 7% cashflow + 3% market appreciation + 5% tax savings & benefits + 4% loan paydown by tenant + 3% inflation-profiting / debt erosion = 22% ROICompare this to a mutual fund ROI with dividend in a taxable account: 7% capital gains + 2% dividend - 1% expense ratio - 1% - 1% cash drag = 6% ROIIt still makes more sense to invest in positive cash flowing real estate, especially with bonus depreciation in the tax code for the next few years.

But in general it is best to find a way to separate debt from equity financing.

They can at least see your possession date on your HUD and know you did not accrue the 6 years of dues since you've only owned the property for a year.

look its business, get your plan together, show credibility and start contacting more banks or lenders and find the debt service thats right for you

Death, divorce, and debt." 

Remember that after debt service most landlords on a SFH might be making a couple hundred bucks every month.