Highlights:* no prepay on 12 mo bridge* 6 months guaranteed interest on a 24 month bridgeThese are interest only loans and the DSCR calculation isn’t a factor in the lending decision.Compare the cost of your lower interest rate DSCR loan, including PPP versus what the bridge would cost at a higher interest rate and no or minimal PPP.PPP=pre payment penalty :)

I now monitor the owner's equity, return on investment, and other factors and then proactively reach out when they are ripe for selling, exchanging, or adding doors.

Your best approach is to assume the loan in your personal name and explore legal and financial strategies to integrate your entity afterward.Feel free to reach out with further questions—I’d be happy to help!

California with both its terrain and rainfall can easily increase their water storage by a factor of 10.  

FICO is a factor in both scenarios.

That HE loan would make you cash flow negative on the first property, especially considering you are not even factoring in any repairs, maintenance, vacancy or management.

There are certain factors that need to be met like LTV. 

Quote from @Deandre Brown: When analyzing deals, a few additional factors I like to consider are whether the electric and gas utilities are charged per unit or as a single expense.

There are a lot of factors that go into the decision.

Those factors are more critical in a fix-and-flip scenario where you’re focused on resale to an end buyer.