But every other month we are at about $2000-3000 surplus.If we stay or buy a second home and rent 1st, the difference is about $1000 in our pockets.I don't want to make an untimely decision on buying home by missing some kind of interest rate change, based on short term financial struggles when 10's of 1000's of $$$'s could be made.

Happy to chat further if you ever want to bounce ideas around!

If you do have a credit partner, you may need to be cautious of any seasoning requirements when it comes to changing the ownership structure of the current entity.

I think it's important to focus on if the investment would be good for you in the long run and then see the tax advantages as a nice benefit (obviously this changes with growth/larger investors).

However, when I had the choice to go to $5,000, the savings were very minimal, and it would have taken 10+ years to recoup if there was ever a $5,000+ loss.

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Keith Andrews Home Team was absolutely fantastic, and Mark Kong at Evolution Mortgage was the best lender I've ever worked with, particularly with VA loans!

Lots of big changes and challenges to be navigated but I'll keep this short and sweet to focus on the real world effects of the NAR Commission Lawsuit Settlement for investors scheduled to begin in July 2024.- Buyers will have more (and less) options.

The cash flow has changed drastically and not brining in enough to cover all expenses.

Daniel,If you do make the change to the LLC be sure to change your Insurance policy to the name of the LLC.