I have known them for 10+ years and have been an investor with them for the last 4 years. 

If you are looking for a long-term loan option, I'd highly recommend a DSCR loan.

Sometimes, having a reliable tenant stick around long-term is more valuable than pushing for an extra $100 a month.

I was on a cruise last week and downloaded a lot of episodes to binge listen during my exercising.

Over the last 12 months, market absorption totaled negative 7.8 million square feet; by comparison, the average annual absorption rate recorded since the beginning of Q2 2014 is 4.3 million square feet.

(You’re protecting equity/your net worth, if you don’t have anything you don’t need an umbrella.)I used USLI for a long time but they changed their standards a couple years ago and wouldn’t offer more than $1-2m if any property had a pool.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Similar green energy investments could be considered if you can make the numbers work (credits on some types of low income housing can be north of 50%).Depending on how long these properties have been held, they could consider implementing cost segregation studies via a change in accounting method to accelerate some depreciation.The operating proceeds could be re-deployed into new properties where cost segregation is an option to accelerate depreciation to offset proceeds.If the properties are low basis and we are not maximizing the 199A deduction, maybe considering an S-Corp structure for management to be able to participate in retirement plans and also generate wages to use as a 199A base. 

If you’re in this for the long term you’ll need to make the odds favor you, not hope that things will be ok.

Or lastly, save money for new family home, take some equity out to put towards our down payment towards our family home, and then rent out the house?