@Kelly McMillanSo your contractor is telling you that the way to handle this is to tear out all the wood flooring in the apartment and then treat with ozone, and then put in a new wood floor.This is insane, the home improvement equivalent of going into a Quickie Lube for a $30 oil change and coming out with a bill for $300.

You'll have to find an answer based on zoning, demand, and your ability to control the appearance of the additional improvements - you don't want to create a junk yard behind your triplex!

Mainly:pro: asset protection, anonymity (depending on the state), estate planning (fair value gift tax exclusion every year)con: creation and maintenance cost, limit the ability to get mortgage, bookkeeping and tax reporting cost, proper use to avoid piercing the veil.LLC is not a replacement for liability and umbrella insurance.

You do not have the ability to predict the future.

Even in the tech world, resumes and educational background are a very poor measurement of ability to perform on the job.

I’d be less worried about turnover than the ability to drive rental income higher.

Your ability to adjust to provide what the market wants is what helps you survive market changes.

The question is will the forbearance effect our ability to get another loan.

@Brett Hennessy @James Mc Ree You seem concerned about her finances & ability to pay market rates I understand that, moral code.

So in my mind, by putting the additional money down I’m not eliminating my ability to move on another rental acquisition in the short term and I like locking in a lower mortgage so I have a nice buffer on cash flow if rents go down (they are quite high at the moment).