Thanks for the feedback—it really makes me step back and think about this whole situation.To answer your question about the hard money loan: I went that route because I needed to close quickly, and hard money was the fastest way to secure the deal.

Toward the end before closing, they gave bunch of excuses like security breach in their company, don't like the file and the property.

While the co-signers add some security, the family’s newness to the U.S. and uncertain job situation make them a higher risk overall. 

Currently, we are targeting multifamily properties of 100+ units, and have been actively engaging with various owners and brokers, submitting Letters of Intent (LOIs) and working to secure deals.While some may consider our approach bold for new investors, we are confident that, with the right team and expertise, we can succeed in achieving our objectives.I’m excited to be part of this community and look forward to learning from your collective experience.

@Seidy Lasker Wash sale rules apply to stock options if they are deemed "substantially identical" to a security sold at a loss within 30 days, such as options with similar expiration dates or strike prices.

Good luck on your journey and I hope you provide the financial security you hope for to your daughters. 

I have mlo in Oregon and it’s the division of consumer finance and corporate securities. ca probably has a version of thathowever I did all my loans with my ca brokers license  

Hi Pixel, Check out this article about how DSCR loans play into the refinance part of the BRRRR method.

I rented to ACU students and used the rent by the room method.

Definitely proud of the vacation rentals and investment deals my clients secured last year.