I use the credit rating to show me late payment history and outstanding debt. 

Any advice or best practices would be great appreciated! 

1. you could structure it as interest only, and the lender would pay ordinary income tax rate on the interest paid. even if interest rate was 0% they would still pay around 4% (FAR rate) in taxes.2.

You could consider a Land Contract, which retains an ownership interest on your part.

Hey Jonah,Wow with your background you are going to do great in the Los Angeles Market.

Yes, there are a lot of people who spend less than they make and have a surplus.There are others who are inheriting wealth from othersBut there is another subset that we often forget: those who have equity in their homes.Much of the equity has built up due to a runup in home values since 2020, which allows these people to use a HELOC to purchase a home for cash.When rates were low there was a group of people who were using Hard money to purchase and rehab buildings and then refinancing at the end this was the BRRR strategy.Hard Money is not an option these days since the cost of refinancing at the end of the project is too expensive.So when we see people paying cash, it is often pent-up savings and HELOC money that people use, and not as often Hard Money.

Finance with a bank that's comfortable with a long-term fixed rate mortgage in the LLCs name.

I feel it's always best to collaborate with others on such issues and people like you and Mike make this forum a great resource.

What made you interested in investing in this type of deal?

Google Ads is a great way to scale because the operational burden is low.