They can afford to pay more than you and still have a good deal.OTOH, homeowners are often cash poor and just don't have the ability to take on anything major.

I think they do split it up into the income and debt components because in the past my rental income has been included with the income from my regular job.

Suggestion:- 30% down on purchase/renovation costs (minimum)- 8.5 - 9.5% interest rate- 15 year am"It's just like a contractor doing a job.I can go out and find someone quick to paint my apartment unit for 500 OR I can take some time to find a painter that I can get to work for 75.00 a unit that does a good job.I believe finance is the same way in that there is a bunch of money wanting to lend at rates and conditions that are not attractive to a buyer.So you have to find a lender willing to take less than the majority so you have an advantage.A question I have thought about is would you target one really wealthy investor or a bunch of smaller loan investors??

Not many super bargains to be found.I think the market for flippers is pretty good if you want major projects and mold elimination.

Yes, I am doing both, but I'm placing far less capital towards debt, which should get paid off just fine if and when inflation rears its ugly head, and allocating the majority towards financing at these super-low rates.

After reviewing, shoot, about 100 or more cases, I can see there are NO absolutes and the majority of cases where the entity was set aside usually involved fraud, gross negligence (such as your New York "lead-lord"), or a clear cut case of "alter ego".

The reason for the cheaper cost is that I will be doing the majority of the rehab myself.

Protecting your family with proper insurance coverage is a critical component to your overall financial health.

They are good resources and can help any investor understand the major points of the law.

We find the "member helping member" attitude to be a major reason for us being successful.Mark