It’s important to remember that a credit score doesn’t always tell the full story of what’s on a credit report.Judgments and liens no longer appear on credit reports, but they still impact a person’s financial standing and contribute to a lower score.

I'm looking into subdividing a lot in Fallbrook right now and it appears to be a bit of a headache. would love to talk to someone who has gone through it...Talk to the fire department (NCFPD) before you do anything.

I used hard money to fund the purchase price and rehab cost of the property (downpayment was the equivalent of 10% interest only of the purchase price + rehab).

Unfortunately, I am unable to locate the downloadable bonus content and files that accompanied my eBook purchase.I have searched my email for the original link provided at the time of download; however, it appears that it may have been inadvertently deleted or moved to my junk mail folder.

Hi Shahab, This is a great question, sounds like you’re setting yourself up really well for your first house hack.There are some flexible funding programs that can work even before your FICO score appears, especially for income-verified buyers with solid payment history and low utilization.I sent you a DM so we can go over what options might fit your situation and next steps you can take while building your credit.

I couldn't find an equivalent for euros, but for US markets the treasury direct alternative is what I prefer. 

Characterizing an LLC as equivalent to fee simple real estate can only be done with single member, single asset LLCs.However, in a drop and swap scenario, the LLC would dissolve and the assets be deeded to the individual members. 

Should I wait until a non-conforming 3rd unit appears on a property or should I go with the two flat?

I used hard money to fund the purchase price and rehab cost of the property (downpayment was the equivalent of 10% interest only of the purchase price + rehab).

Purchase Price: $280,000Down Payment: $75,000 (~27%)Loan: 6.625% interest, 30-year fixedRents: $1,350 per side ($2,700 total, tenants pay utilities)Property Taxes (2023): $4,247/yearInsurance: $2,600/yearProperty Management: 10% of gross rentMaintenance + CapEx: 10% of gross rent (includes reserve for roof replacement in 5 years)Vacancy: 5%Annual Gross Rent: $32,400Total Operating Expenses: ≈ $13,600Net Operating Income (NOI): ≈ $18,800Cap Rate: ≈ 6.7%Annual Debt Service: ≈ $16,000Cash Flow (after all expenses): ≈ $2,800/year ($230/month)Debt Service Coverage Ratio (DSCR): ≈ 1.17Cash-on-Cash Return (Year 1): ≈ 3.7%Notes:Roof expected to need replacement within 5 years (budgeted $10–12K).Tenants pay all utilities,Rents appear market average.Located in a stable B-class neighborhood with consistent rental demand.Population growth slightly negative but a 20 minute drive from Cincinnati.