Quote from @Andrea Russin: A blanket loan would be a good way to spread the equity however it would limit your ability to easily exit one property without restructuring your loan.

I recently purchased a 2 unit property as owner occupied with one unit already rented out. 3 months after closing, I was laid off due to a restructure at my company, so I decided to rent out the other unit my girlfriend and I planned to live in.

Alternatively, restructure the loan with equity participation for potential capital gains treatment at lower rates.

Quote from @Jay Hinrichs:Jay, it does look like one of the strategies of this 711Rescue is to restructure the loan for their clients, but at 2x DSCR!

If your current lender is open to restructuring, you could negotiate better terms (lower rate or extended term).

I also wouldnt let your mom go into 2nd position on an investment property with any sort of restructuring; it doenst sound like she's in a position to risk being wiped out.Overall, though, if you want cashflow on the new property but cant achieve that after a refi into a market rate loan, it probably makes more sense to just flip it, pay off your heloc and your mom, and use the remaining capital for the next deal.

This is when the tables turn to you restructuring the contracts you have with them or really going out on your own completely.

By setting appropriate expectations, we can ensure a smooth and successful investment journey.When it comes to syndications, there are unique challenges in exiting or restructuring investments due to diverse investor expectations.

Tenant was acquired with property upon closing(they have lived in their unit for 2+ years with on time payments). Their previous lease includes a portion of storage in the basement with laundry access(also in basement...

Quote from @Jay Hinrichs: Quote from @Guy Gimenez: Quote from @Tom Gimer: A better question may be is the program worth 10,000 pesos.When the DOS is called you can't reconvey to the seller and restructure the deal as a lease option... at that point the goose is already cooked.Exactly.