All Forum Posts by: Ryan Rominger

Hi, sounds like you've done an impressive job so far navigating both family needs and investment goals. One option worth exploring is moving some of the properties—especially those generating income—into an LLC and shifting to commercial or portfolio loans, which tend to focus more on the property's income than your personal DTI. You could also work with a property manager to formalize leases and bring some of the rents closer to market, which can strengthen your case with lenders without necessarily impacting your family too much. It might be worth chatting with a lender familiar with investment-heavy portfolios to see how they'd view your situation from a structuring standpoint.

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Hey! I’m local to Indy and work closely with a few solid tax pros who focus on planning and real estate strategies. Happy to point you in the right direction or connect you with someone — feel free to DM me if you want to chat more.

Welcome, Ethan! Always cool to see new agents jumping in with that kind of energy. Indy’s a great place to start—plenty of opportunity if you stay consistent. Sounds like you’re in good company with Gear too. Looking forward to seeing how your journey plays out!

Love this breakdown—spot on with Indiana, especially Bloomington. I'd also add Muncie to the list. Ball State keeps demand steady, and there’s still a good amount of undervalued housing stock. Plus, smaller investor presence means less competition on deals. Curious if anyone's looked into towns like Terre Haute too—some overlooked gems there.

Yeah, quite a few out-of-state investors are active in Indy—it’s been a hot spot for a while now. Biggest challenge I see folks run into is finding a solid local team they can really trust, especially when it comes to contractors and property management. Communication and accountability can make or break the experience.

Hammond can be a tricky market, but there are definitely a few PMs out that way who know how to handle the area well. I'd recommend checking with some local investor groups too—lots of folks are happy to share who’s been solid for them. I can pass along a couple names I’ve heard good things about if you’d like.

Nice move locking up that property—exciting to see more OOS investors looking at Indy! I'd definitely recommend getting multiple bids like you're planning, since pricing and quality can vary a lot. There are a few solid GCs around town who are used to BRRRR timelines and investor goals. If you'd like, I can DM a couple names I've worked with recently who've been reliable.

Congrats on the first rental—Irvington’s such a solid area with great long-term potential. Sounds like you moved quick and smart on the opportunity, and having one side rent-ready right away is a huge plus. Getting that first one stabilized really sets the tone.