Refinancing & Due on Sale Risk:I’m considering refinancing my properties to get the benefits of an LLC (liability protection, easier transfers, etc.), but I’m worried about triggering the due on sale clause.

Luca, I'd personally avoid refinancing if your rate is lower.

What was the DSCR ratio before re-financing?

Further, a paid off purchase does not preclude me from refinancing in the future.

There's nothing wrong at all with refinancing that property, but make sure that the refinance doesn't dilute that property's performance too much.

.​👇 What you do need:A decent credit score (680+ preferably but 600 is doable)A property that cash flowsA game plan that makes sense on paper​That’s it.​DSCR loans are built for:🤝 First-time investors who don’t want to deal with tax return headaches🤝 BRRR investors refinancing out of hard money🤝 People who understand cash flow > credit score​So if you’ve been waiting until you “feel legit enough, ”This is your green light.​You don’t have to be a pro.

Here’s my situation: I currently own and live in my primary residence.I’m considering refinancing it using a DSCR (Debt Service Coverage Ratio) loan, which would officially turn it into a rental property.After that, I would purchase a new primary residence with 5–10% down (conventional loan or FHA, depending on what fits best).  

However, when I research online, I also see controversial opinions that those times count for the 500 hours material participation as long as, after the rehab, I put tenants in and turn the property into a long-term rental. 

Hi,How to find online any railroad track or crossing gate near potential rental property to avoid noise and also traffic when the rail road gate closes.

According to the county housing authority website, if they were re-rented through Section 8, they could bring in $1,623 each, for a monthly total of $11,361 - more than twice the current income.The GAI would rise from $66,612 to $136,332.Would you, or the lenders you work with, finance a $500K purchase+rehab with an eye toward refinancing based on a $136K GAI?