Some common OVERLAYS are:Credit ScoreNot using Rental IncomeSeasoningLoan MinimumsMaking us have more downpayment than neededNot using “After Repair Value”Limiting the number of loansRequiring more reserves than neededAnd plenty of others tooSo imagine you are trying to use the BRRRR method on a property and your lender states “We can’t use the ARV until after 12 months, we can’t refinance until after 12 months, we can’t use rental income until it is on your tax returns, your loan amount can’t be below $100,000, and we will require you to have 30% equity in your property”.If that was the case we couldn’t do the BRRRR method - ever!

Imagine how quick even a 10% structure savings would pay that off.  

Many argue that I couldn't imagine doing it with a family.

It's Illegal, therefore attorneys are not going to risk it.I imagine if you do this in SC you could be the poster boy they make an example out of.

I would imagine that a successful investor like the  OP is not looking to "add someone".

I can't imagine the short-term private rates, and the personal loan rates are much different right now. 

Can you imagine if they took the tax write offs away from investors who have 50 or more..

This means you would have to drive by 10,000 homes, and review each home to look for different signs of distress.Now imagine that it takes on average 10 seconds (some homes may take 1 second, while others may take 120 seconds) to quickly look at each home for physical distress.

It will probably take a few generations, I can not imagine that we re-define the working structure of our society in a few years and without casualties.So the question to me is basically how do we want to be positioned as real estate investors when that change starts?

Can you imagine if California didn't have that (mostly) great weather?