While some alternative lenders may still offer 35- or 40-year amortizations privately, these are not mainstream and typically carry higher rates and stricter conditions.These global examples show a clear pattern: ultra-long mortgages may temporarily make housing more affordable, but they rarely create healthy long-term financial outcomes.

I spend a lot of time with newer investors at our meetups and the patterns are consistent.

Their primary concern is the "difficult fact pattern" created by closing on a major asset in early December and attempting to operationalize the business and accrue Material Participation (MP) hours within a three-week sprint.

Their primary concern is the "difficult fact pattern" created by closing on a major asset in early December and attempting to operationalize the business and accrue Material Participation (MP) hours within a three-week sprint.

You start to see patterns these tenants pay great for 4-8 months and then something happens in their lives and now they are out of money, be very warry of turnkey properties with newish leased units. 

Noticing a pattern lately:Some properties that look overpriced at first actually make more sense after adjusting for realistic rents and PM costs in this area.Examples:• 3-bed units renting faster than 2-beds• C-class neighborhoods showing surprisingly low vacancy• Light value-add increasing rent by $150–$200 with minimal workAnybody else seeing similar patterns in their underwriting?

An LLC creates a liability shield.BUT you can also get strong liability protection through:     - Solid landlord insurance     - Umbrella insurance (cheap & powerful)Many small landlords choose:      *Keep the property in their personal name     - Increase liability coverage + add umbrella policy*       …until their portfolio grows.If you financed the property using a conventional mortgage, moving the property into an LLC may trigger Due-on-sale clause.If you want to refinance soon (or get DSCR loans in the future), it may be easier to keep it in your personal name for now.Most DSCR/rental loans:     - Will lend directly to your LLC     - BUT they prefer the property already owned by the LLC     - OR they allow you to title into LLC at closingSince you’re in Cuyahoga County, here’s the typical pattern...

But by then, it was too late to revive the contract.We’re starting to notice this behavior more often: sellers pushing inflexibility to the limit, then becoming cooperative only after buyers step away.Are you seeing similar patterns in your market?

I don't have the 3-year history before that, but based on what you're saying I'll keep the next bump in line with whatever the historical pattern was - probably around 3%, unless comps jump by next summer.I'm also planning to rerun rent comps in March so I'm not guessingLease-wise, I'm with you 100%.

This is why I cringe when I see the asset protection service providers use fear tactics to convince an investor in NJ to create an entity structure involving entities in NV or WY citing the better charging order protections knowing the fact pattern will rarely arise where that's even relevant.