But…as soon as you pay cash, now you have to compare it to a GUARANTEED 5% bank return on your money.

It's true that you make more money in the long run with appreciation compared to cash flow.

They typically have multiple origination points (meaning very high closing costs) very high rates (compared to conventional but also compared to 6 month or longer waiting period DSCR products) and almost always have VERY long pre-payment periods up to 5 years.

Quote from @Nelson Badillo: In my experience, HUD requires you to provide at least three comparable properties to justify your rent.

Considering the more lenient US laws compared to the UK in contracting.Again, thank you so much for your reply, perhaps we can connect and see out opportunities in the future!

I do agree with everyone here that their customer service is by far the best I have ever had comparing to any other online investment platform.

Putting a property into an LLC before placing it in a trust is generally recommended because an LLC provides a stronger layer of asset protection against creditors and lawsuits compared to a trust alone, effectively isolating the property from personal liabilities while still allowing for estate planning benefits through the trust structure; essentially, the LLC acts as a shield to protect the asset within the trust from external claims.Consider getting professional advice on how to structure your assets to shield and protect the asset(s).

Columbus is going to be a market with more expansive growth compared to Cleveland, which is currently pretty steady with higher cash flow but less appreciation. 

They should be given 2 to 3 years to do something like that given its harder to retrofit those in and its also much more costly to put in compared to new construction.Again, they've been going for 30 or 40 years with nothing and now expect everyone to just jump. 

However, it's important to keep in mind that shorter seasoning periods often come with different terms compared to a a cash out refi with 6 months + of seasoning.