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Many have pulled out of insuring multifamily properties or only cover up to 4-unit buildings.While Allstate doesn’t have a unit cap, they do cap total coverage at $750K on a landlord policy—which is why I’m exploring options for supplemental coverage.The carrier raised my rate by ~86% on all three properties under this policy.

It's hard enough borrow at regular mortgage rates and generate cash flow. 

Monthly payment is 1900 with a 6.5 rate and would rent for 2500

I took a heloc with the intention of investing currently at 1 million and the rates at 9 percent .

I did market analysis to find the right rental rate.

Opt for loan terms and interest rates that you can comfortably manage.Build reserves: Set aside cash reserves to cover unexpected expenses, like vacancies or repairs.Consult with professionals: Seek advice from real estate agents, lenders, attorneys, and tax professionals to ensure you're making informed decisions.Remember, there's no one-size-fits-all answer.

Bridge Loans are short-term (usually around 12 months) at a higher rate and fee to get a borrower from one point to another.

Recapture typically happens only when you sell the property.If you use the property partly for personal use and partly as a rental in a given year, depreciation and other expenses must be prorated based on the number of days it was rented versus personal useBased on the current tax laws and regulations, once you've taken bonus depreciation on an asset, you cannot "capture" additional bonus depreciation on that same asset in future years, even if the rates increase.In the 2024 tax year, the rate for bonus depreciation is 60%.

The reason I say this is that with a 5+ unit a lender will evaluate based on NOI and a cap rate, so adding a 5th unit COULD (or could not) substantially increase the value of the building and make it worthwhile to refinance and pay off the existing loan (that is tied to the "old" quad) anyway.