@Austin Fowler I recently reviewed a 24-unit multi-family development in Miami with a 2 year hold period.

The way to mitigate risk on 100% financing is to have cash in hand.

Quote from @Elealeh Fulmaran: Tough combo: rural, 7 acres, hand‑dug well, unpermitted structures, and minor water damage knocks out most agency and FHA options.

Hindsight is great, but until the deposit is in hand, the lease isn't valid. 

This also gives our clients a great sense of comfort knowing that they will be in good hands. 

In certain situations additional lien on credit and excessive trade lines can cause future DTI issues, lower scores and denials on future loans.The rates our lower on mortgages versus Heloc right now and the terms are longer for example 30 year mortgage versus a 8-10 year Heloc and most carry prepayment penalties so if you want to pay it off early they can hit you with a prepay penalty of 6% or higher.Refinance allows you to have cash in hand and avoid the scary "What if" factor meaning loss job, lost income, late payment, over leveraged and if any of these things happen your credit limit gets reduced and in most cases closed completely.

I run into this scenario a lot because I buy in one LLC and hold long-term in another.

This approach is often simpler to set up and manage than a hands-on assisted living facility, while still letting you take advantage of deductions and depreciation.So, to sum it up: the model itself isn’t crazy from a tax perspective, but it requires the right entity setup and a clear plan for how involved you’ll be.

I’m really interested in building a short-term rental business and I’m trying to choose the smartest first step.Right now I’m leaning toward starting with an arbitrage unit just to dip my toes in, get hands-on experience, and prove to myself that I can run a successful listing.

Every model has strengths:• KW has strong early training• Coldwell Banker offers a recognizable brand and structure• Local mom-and-pop brokerages can give hands-on mentorship• Models like eXp offer flexibility and national reach  We moved to eXp recently because it opened the door for national expansion, especially for investor-focused agents, but that does not mean it is the right fit for everyone.