But here’s the part I don’t see enough people follow through on The real win is what you do with the tax savings.One of the strongest next steps is taking those payroll tax savings and fully funding a Roth IRA — then actually running the numbers.When you project consistent Roth contributions over 25 years, the result is eye-opening.In many cases, it ends up far more powerful than what most people expect from Social Security alone.The S-Corp helps you keep more of what you earn.The Roth helps you turn those savings into long-term, tax-free wealth.That’s how smart structure turns into real outcomes — not just lower taxes this year, but better options later in life.Curious — if you’re already saving on FICA with an S-Corp, are you reinvesting those savings intentionally… or letting them disappear into lifestyle creep?

I enjoy learning how different investors structure their deals and systems, and I’m here to connect, learn, and contribute where I can.Looking forward to being part of the community.

We pushed for a few exceptions, and credit approved.Most broker chains fail due to lack of structure.

Those structures can work, but from a tax perspective, the benefits are often less clean than people expect.

If you partner with someone who has proven results and communicates well, a JV structure can be a very effective way to deploy capital while learning the business from the inside.

For example, the way you structure your financing will materially impact which fields you use and which you don't. 

I work in mortgage lending and spend most of my time helping investors and owner occupied buyers think through financing strategy, not just rates.A large portion of my experience has been with self employed borrowers and clients who own multiple rental properties, so I’m very familiar with more complex income scenarios, portfolio considerations, and structuring loans to support long term growth.I recently joined a newer lending platform that’s intentionally focused on clean execution, upfront documentation, and minimizing friction for borrowers and agents.

Seems like your next option would be creating an entity with the seller owning a percentage, and then you negotiate a structured buyout in advance.

Another answer I would be interested in is how to value add without any of the major rehabs (plumbing, electric, structural, hvac).

I’m considering refinancing the loan into a DSCR in the LLC's name to clean up the structure and improve cash flow.Current loan:Interest rate: ~7.4%Loan balance: ~$260kAll-in PITI: ~$2,25030-year fixed, recently originatedRefi (DSCR):Rate: 6.5 (can go to 6.375 at one-time cost of $388)New loan balance: ~$277k (fees and costs rolled in)All-in PITI: ~$2,150Monthly cashflow improvement: ~$100No PMISo on day one, the refi improves cash flow by about $1,200 per year.