Help Me Hack My Portfolio

[Daniel Mills]

Hi guys,

I’m looking to engage the hive mind regarding my personal portfolio. I have a business portfolio of about 50+ multifamily units, but I’m trying to optimize my SFHs that are owned in my personal name.

I am a US citizen, but I live and work in Japan (I'm a permanent resident), so I do have to consider Japanese taxes. Because of that I cannot transfer the properties to an LLC or sell them because these options would have a negative effect on my Japanese taxes.

But I can refinance them (rate and term or cash out), I can get a HELOC and I can pay off the mortgages (this would free up Fannie/Freddie loan slots). What would you do? Please click on the link below for loan info.

Portfolio

I appreciate your suggestions. Thanks in advance.

Daniel