For instance, here are just some of the other variables that affect the quote: the type of loan, the term, the structure, the zip code, the property type, the number of units, the PPP, the points, the day when the rate was quoted, the LTV, the loan size, DSC ratio, the list goes on. 

A few signals in the Louisville housing market are lining up in a way that’s easy to miss if you’re only watching headlines.First, other states are finally addressing housing affordability at the structural level. and have moved to relax land-use rules so starter homes on smaller lots can actually be built again.

Some key expense categories to track are maintenance and repairs, property management, insurance, utilities, landscaping, reserves, and capital expenditures.Also keep in mind your financing structure.

Lenders and capital partners are more willing to lean into edge cases, tighter timelines, or unconventional structures when they’ve seen someone execute before.Where deals really get stuck is when numbers are thin and experience is light.

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. 

Small multifamily and duplexes in college towns, growing cities, or stable rental markets can produce great returns, and you can often structure deals using BRRRR or conventional financing.

Once you move out and convert the whole property into a short-term rental, you can depreciate the full structure (except land) and use a cost seg study to accelerate deductions through bonus depreciation.

However there are a few things to keep in mind when doing these transactions. 1. a 1031 is very structured, as in you have to follow certain items.

AI cannot fix structurally poor inputs and may amplify errors if results are over-trusted.How to Use AI ResponsiblyBefore relying on AI-driven insights, ask:What decision does this inform?

My short-term goal is to acquire 8–100 units within the next 6 months, and my long-term goal is to scale to 500+ units through partnerships, seller financing, and joint ventures.Right now, I’m looking to connect with:- Experienced investors or agents open to JV opportunities- Mentors who can help me structure my first few deals- Anyone with off-market multifamily properties in Middle Tennessee or TexasI’m not here to waste time — I’m here to learn, move quickly, and make things happen.