Hi Max,I think that something to kind of "split the difference" so to speak could be a series llc.

Most of the literature indicates the max is 18%, but on average it's around 5% or so.

I'm not sure what part of NY you live in, but one of my friends who invests around NY pays $16k in taxes where in Spokane WA he would pay about 2.5-3k max.  I

If they bought in the last year with 3.5% down, maybe they’re upside down 5-10% max? (I

Along the way, i was blessed to meet another very honest contractor. he's an older gentleman and extremely honest. he's been working for me for the past 3 months and I couldn't be happier. he's very old school and honestly doesn't know what he should be charging. he just wants work and he does it ALL. if you have projects in tucson and need someone cheap, reliable, and honest, DM ME.i selfishly will hold on to his contact until he's done with my project, which should only be 2-3 weeks max. i just wanted to prime everyone here.

TermsI do 12% simple interest, 1 year max.  I

As far as the retirement accts, I believe the max I can borrow against it is $50K and wouldn't prefere take a loan against the apt.

After that I try to get the best deal I can but at least I know the absolute max I can pay and still hit my desired return.

Also if these are 2 apartment complexes with a total of 14 units, DSCR may not be an option because, max is 12 units for most lenders. 

It's not a guarantee you'll never be sued, but it minimizes the target on your back, makes it unappealing, difficult to collect (if losing) and provides compartmentalization (you'll not lose your other properties if one of them gets in trouble, the "damage" will be contained to that property at the max). I